davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (CT)

In XXXX XXXX, I opened a credit card account at Pentagon Federal Credit Union ( Pen Fed ). 

However, I did not receive any mailed invoices from Pen Fed. 

When I went online to view my account in XX/XX/XXXX, I noticed Pen Fed billed me their annual fee in XX/XX/XXXX, my first month. 

Therefore, Pen Fed submitted a 30 day late to the credit rating companies. 

I am a high net worth person, and it is absurd that my credit rating has been penalized for a {$95.00} annual fee charge because of this 30 day late. 

I rarely used this credit card and XXXX  had caused mail problems in our region. 

Then, then same thing happened in XX/XX/XXXX. 

So now, Pen Fed submitted two 30 day lates to the credit agencies.

Pen Fed refuses to change their submissions, which I feel does not consider the fact that Pen Fed never informed me that my invoices were only available online.
Consumer complaint received 2022-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I have several issues with my student loans that I have requested help for multiple times and have not had any correction to my account. 

First I consolidated my FFEL loans as instructed in the PSLF waiver. My qualifying payments are all now matching but my leftover not eligible payments were not shifted over to my consolidation loans. My origional loans have 24 not eligible payments and my consolidation loans show 0. This is a HUGE problem because I expect these 24 payments to count when the IDR waiver is applied to my loans this Fall - Fall starts next month -and my loans will have over 120 payment. If those 24 payments do not go onto my consolidation loans I will end up with " hanging loans '' and I have friends who had this happen during the beginning of the PSLF waiver, they complained and just this week received letters that the issue can not be corrected! I DO NOT want to have some of my loans forgiven and be left with my consolidation loans for another 2 years because of an administrative error. I have contacted FedLoan, Federal Student Aid, several ombudsmen and CFPB about this issue that should be simple to fix but it is not fixed and I am running out of time since the IDR waiver is starting next month and Fedloan accounts will be transferred to XXXX soon. 
Second during one of the times when I received random information instead of having my issue corrected I was told that 6 months of my 24 not eligible payments is from a " unenployment forbearance '' but my income is certified for this period of time so that does not make any sense- it seems that those 6 months should have been automatically corrected.

Please help me, I am not sure what else to do.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (GA)

On XX/XX/2022 I made a payment online for my prosper card of XXXX it went through. I did not see it come out my account called the company they said account is restricted. The card is connected to my bank account to make the payment. This is the second time this have happened. The first time I was told it was a system error they said they was aware of this and they waived the late charge. This is happening everytime I make a payment online that it is restricted. This is happening alot with other customers also with this restriction when making a payment. The company is acting like I did something wrong like putting in a wrong number this is not true.
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services (MD)

Hello, I reached out to my lender Mercedes-benz financial in XXXX of XXXX and explain how I had XXXX  and was XXXX  and explain to them that I was going through a financial hardship and they explained to me it was nothing they can do about it they have already gave me the amount of extensions that they could and I completely believe this is unfair so I would like to exercise my consumer rights section 1026.23 ( a ) 1026.23 ( b ) 1026.23 ( d ) right of rescission section 125 is good for three years. vehicle is already paid for by my Social Security number so technically Im paying for this vehicle twice which is against the law. They also broke the Consumer law with 15 US C1662B no down payment too much I paid one. They also broke the law with 15 US C1605 the termination of finance charges finance charges I have been misled by his company and taken advantage ofThis company has forced me to use my personal information for a vehicle that is my business vehicle which they shouldve just use my XXXX number only I need someone to look into this matter immediately I have dealt with this company for a long time and Im truly traumatized define out how they Took a vantage of my consumer laws.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

n accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-06-20
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: Experian Information Solutions Inc. (NY)

As of XX/XX/XXXX I have noticed fraud account on my Credit file and Consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX - - - - XXXX C - - - XXXX XXXX - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - C - - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance $ 0 Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number ( XXXX ) XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX  XXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # 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 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

Barclays claims I owe money. In fact I paid this debt to XXXX prior to Barclays taking over the XXXX Credit Card XXXX from XXXX Banking. I previously filed a complaint with the CFPB ( XXXX ), but the description of the CFPB complaint and resolution according to CFPB doesn't define the problem and the issue certainly should not be considered resolved. Attached is the letter I transmitted to Barclays requesting action to resolve the issue. 

XX/XX/2021 -- I received a statement from XXXX indicating I owed {$310.00}. 
XX/XX/2021 -- I mailed a check ( # XXXX ) to XXXX for {$310.00} to clear this debt. 
XX/XX/2021 -- XXXX deposited check ( # XXXX ) electronically to their account. Please see the attached copy of my XXXX XXXX XXXX Bank statement for documentation. I have redacted my checking account number for confidentiality. This means the debt was cured on this date and therefore no longer existed after this transaction. 
XX/XX/2021 -- Barclays takes over administering the XXXX XXXX XXXX. 
XX/XX/2021 -- Barclays processed a withdrawal from my checking account for {$310.00}. 
XX/XX/2021 -- XXXX XXXX XXXX Bank approved my request to credit my checking account regarding erroneous Barclays ACH transaction. 
XX/XX/2021 -- Barclays wrote that I was now subject to interest, penalties, and fees because of late payments on the {$310.00}. 
XX/XX/2021 -- I notified Barclays of their mistake and asked for correction. 
From my perspective the {$310.00} debt was cured on XX/XX/2021 when XXXX electronically cashed my check. The facts are clear that Barclays has no standing on the {$310.00} to demand payment.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OH)

I moved out of apartment due to military orders. The complex was notified ( multiple times ) months in advance with no response until the month of the move out date. Apartment was clean upon moving out. 

After sending them the proper documentation ( military orders ), they still have not removed the account and now are saying there is an outstanding balance due to condition of the apartment after move. I have sent in documentation of the condition of the apartment after I left, including a video. Proving the condition of the apartment was adequate. 

Since I provided my military orders in advance, I am protected under the Service Member Civil Relief Act.
Consumer complaint received 2022-08-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

I have emailed Navient over XXXX times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and XXXX that ignores 2 important points. There was an additional point but I know Navient will admit that they lied to a 3rd party for legal reasons. 

Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because Navient is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW Navient contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) Navient ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Refer to previous CFPB # XXXX, XXXX XXXX. " BANK '' refers to " BOFA '' etc. BANK continues failure refuse use of correct addresses, access cards for all BANK credit and deposit accounts sent to incorrect address thus hazards/ disrupts access to funds ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). Fate of cards unknown. Attempts to contact BANK by computer and voice still ineffective, loops to AI agent etc. Accesses to account through BANK internet fail, seems to leaves account open ( XXXX  XXXX, XXXX XXXX ), thus BANK request to delay of prior CFPB # XXXX on XXXX mere delay tactic. 

First impression was that USPS was at fault thus prompted my submission to BANK a dispute and retraction of payment to USPS when in fact BANK was responsible, an embarrassing waste of time. 

Exhibit/ XXXX/ XXXX/ Date : XXXX XXXX. BOFA incorrect address XXXX XXXX  XXXX. XXXX correct address XXXX EX XXXX. XXXX messages on BOFA envelopes XXXX XXXX  XXXX. BOFA website breakage example XXXX XXXX  XXXX. BOFA XXXX app breakage example XXXX Exhibit filename : XXXX XXXX XXXX XXXX XXXX Note, don't publish the exhibits.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s -2 [ A ] { 1 } A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Mortgage payments have always been prior to their due date and never behind schedule. We received a tax bill from our Township stating that the taxes had not be paid. Upon reaching out to Bank of America, they informed us that the taxes had not been paid. They had an incorrect due date of XX/XX/2022. The correct due date for my taxes is XX/XX/2022 with a delinquent date of XX/XX/2022. Once a discussion was had with the Bank, they also informed me of the correct amount of taxes being paid by about {$800.00}. The best that they could promise was that the taxes would be paid " sometime before the delinquent date '', which again was in XXXX days.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (TX)

I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a call from Bank of America claiming I was eligible for {$8000.00} loan and if I wanted to boost my credit I was interested in boosting my credit I ask how do I do this I found out it was Bank of America employees who scam me saying the XXXX XXXX would deposit fund into my account I did not have to provide any info bank employee already had it. Because I was customer 13 years the Bank of America employee told me XXXX XXXX would deposit funds into my account I would have return it and they said Bank of America would deposit I would do same I was just needing one point boost my credit score. Later I find out Bank of America data was breach this was bank scam I was told they had on video me deposit checks that turn out be fake into atm in XXXX XXXX I then ask for proof video then Bank of America changed there story and told me it was done mobile check was my name forged spelled incorrectly. I told Bank of America I never deposit in my mobile app I would have known it have be from my number Bank of America employee told me no only other way it was done by employee I ask who so I can report them to police Bank of America employee said cant say have to protect my employees I said they scam / frauded me you want to cover for them make customer responsible they said yes. Part that concern me is I have 3 social security direct deposits going in Bank of America refuses to give it to me told me its going pay employee who scam me I said how is that fair that my only income for entire month Im suppose use 2 of those checks for my XXXX XXXX XXXX who has medical issues she going with no food I have nothing pay her friend given her some food not enough keep her healthy for month worth that what ssi check was for Im ask that Bank of America pay me those social security checks it was them who came to me it was there employee who scam me put fake funds into mg account I never had any knowledge of checks being use or my name being forged Ive filed police report fbi report with you guys fitc you guys occ and 2 news channels I was unable to provide school supplies for my daughter because Bank of America thinks its ok to scam customers and then make them suffer. They said that to my face. I dont know how anyone can hold me responsible for Bank of America scam going on. I never gave Bank of America anybody ever my log in info and Bank of America was able to change that lock me out theyve gotten away with it so far Ive ask for for supervisors and or managers they hung up in my face or told me leave not come back Ive been trying clear my name Bank of America has treated me so badly I dont know how theyre even allowed treat customers of 13 years like this. Im out this social security Im struggling provide for my kid needs and to survive myself knowing that my only income. Bank of America refuses to give it to me even tho federal money.
Consumer complaint received 2022-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

on XX/XX/XXXX and XXXX XXXX i requested that ARSAccount Resolutions send me Validation of Debt and HIPAA authorization. I asked for them to please provide a breakdown of fees including any and all collection costs and medical charges. I also asked for them to provide a copy of my signature with the provider of service to release my medical information to them. This is a medical debt legally required to be in possession of in order to collect on a medical debt. ARS Account Resolutions has done nothing but send me a letter only stating the collection costs. This is unlawful and is detroying my buying power and character a consumer. 
I wrote multiple letters to XXXX, XXXX, and XXXX asking for them to properly investigate ARS Account Resolutions accounts on my credit report on XXXX XXXX and XXXX XXXX also and they have not done so. I reminded them several times that these are MEDICAL ACCOUNTS, that is protected under the Health Insurance Portability and Accountability Act of XXXX Section 1173 and that By improperly verifying the ARS Resolutions account they are compliant in violating my rights. This i very Hurtful and i feel discriminated against and this is very offensive because they are blatantly disregarding my rights as a human being and consumer.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I was XXXX  from XXXX. 
XXXX, XXXX and XXXX XXXX XXXX have unpaid Medical charges on my credit report during that time. 
I have sent them my XXXX  records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.