davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (VI)

Subject : Complaint on processing of payment and credit reporting. 


I am writing to express my deep dissatisfaction with the payment process and recent credit reporting issues related to my mother 's credit card account with PenFed. Since more than two years ago, it has been a case of me being regularly called to make payments on behalf of my mother since she doesn't like doing so online. So far, both parties have been attempting to make this payment on time ; the problems we met have been quite a few and entirely unnecessary : 1. Phone Payment Restrictions : PenFed charges {$5.00} to make a phone payment and will not permit more than {$30.00} to be paid over the phone, citing that it is " her account '' when I am formally listed as one able to manage payments. This has been very inconvenient for us, living outside of their retail footprint. 

2. **Recent Payment Issue** : It was assessed that, after the mailing in of a payment, PenFed did not process it in good timing. To this end, I was reported late, and my credit score drastically fell by XXXXXXXX XXXX This is particularly regrettable in light of the fact that. 

3. Forced Usage of the Internet : The recent reviews in payment policies are tweaked to force customers to adopt online modes of payment, which my mother has strong personal preferences against. 
I am at this moment asking for some actions by PenFed Credit Union. 

- Reverse Effect of Credit Score : Immediately withdraw the late payment report and refund my XXXX decline in my credit score due to their failure to process my mailed payment on time. - **Review of Payment Policies** : Review your payment policies concerning customers who would instead make payments by phone or mail without excessive fees or unwarranted restrictions imposed upon them. 

I am confident that these measures are only an equitable and just tradeoff to make up for the injustice done to my credit score and also give customers more user-friendly options for future payments. I look forward to your quick response and resolution of these issues.
Consumer complaint received 2024-06-29
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Ray Klein, Inc. (OR)

Hi there so I am currently being sued by Ray Klein Debt Collection Agency for a doctor 's visit in XXXX and they didn't even file the complaint until XXXX. And I've never even heard of the doctors office they claim I owe the debt for. XXXXXXXX XXXX XXXX XXXX. 
If somebody could just get back to me as soon as possible it would be very helpful thank you.
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I incepted this loan with Credit Acceptance Corp last XXXX of XXXX. I made 10 payments on time with the assurance that I would be able to refinance the loan with a cheaper interest rate. 

The purchase price of my XXXX XXXX XXXX XXXX was XXXX dollars. It was sold to me as original with very low miles. However, the truck is not original and has been modified and the vehicle history report does not reflect that. Also the dealer is misrepresenting 'limited warranty ' from this lender when it is in fact a very limited 'vehicle service contract '. 'Gap insurance ' was also placed onto the loan with other unknown products and the actual value of the loan is about 195 % of the purchase price. 

I have attempted to refinance the truck but because of the modifications and its age no other 3rd party lender will touch it. As such I am having to surrender the truck to Credit Acceptance Corp under threat, duress and coercion. 

Upon researching Credit Acceptance Corp I have discovered that this company has several active cases in other states, and has settled an action in the state of Massachusetts with CFPB, therefore I contacted you via this portal.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> I noticed that the money deposited in the bank to cover Bank Fees while I await requested legal documentation from the Bank has been strangely debited to XXXX - '' XXXX ''. My account has been drained to zero with no legal explanation, documentation, written or electronic communication sent by Bank of America which is a violation of FDIC guidelines. The bank has stated they have taken this action based on a Legal Order I have never seen - Legal Order, XXXX XXXX. Bank of America has refused to provide any evidence of the supposed legal order they used to zero out my accounts. This is an illegal non-descriptive debit that is a violation of the law and bank regulatory standards for account management. Please have Bank of America return the funds, follow FDIC and Department of Treasury guidelines for account management. Please have Bank of America provide evidence of the Legal Order they used to remove all funds from my accounts including the name of the Judge and Jurisdiction. I have been attacked by XXXX XXXX Nationalists working at Bank of America.This matter is also being reported to the US Department of Justice.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My student loan from XXXX has been paid in full by me. While the other credit reporting agencies have updated this information, TransUnion has refused to, even when I filed a disputed. They show it still open. I have to assume this is because of my prior complaint regarding my credit score. There is now a XXXX point difference between my TransUnion score ( XXXX ) and other agencies ( XXXX ). 
Do I need to hire a lawyer? Does TransUnion need another class action lawsuit, such as the XXXX XXXX they had to pay out to renters for refusing to correct credit reports? 

This is completely unacceptable. FIX MY REPORT.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MA)

I reached 120 qualifying payments in XX/XX/2023 for Public Service Loan Forgiveness. However, I was forced into forbearance that month because Mohela calculated my SAVE payment amount incorrectly. Mohela has accepted my qualifying employment through XX/XX/2023. XX/XX/2023 is still showing up as " ineligible '' for PSLF in Mohela 's system because " Deferment or forbearance exists this period. '' Mohela has stated, and continues to state, that my payment will count. I've spoken to a representative at Mohela and they are unable to even give me any idea of when that payment will count. I have fulfilled my obligations for Public Service Loan Forgiveness and therefore should not be forced to wait an indefinite amount of time before someone fixes the issue.
Consumer complaint received 2024-06-28
Product: Credit 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: DISCOVER BANK (CA)

Discover has refused to process my fraud claim because of a previous claim that happened in XX/XX/XXXX that they did approve, that has absolutely nothing to do with my recent fraud claim. They have refused to accept everything that they requested : Police report, evidence of a newly issued drivers license, FTC report, their affidavit, and acknowledgment that my card, phone, belongings were not in my possession when the fraud occurred XX/XX/XXXX. My purse was stolen from a public place and then they used my identity to make unauthorized purchases at multiple stores and used my phone to verify the fraudulent charges in the amount of {$6200.00}. The supervisor refuses to help process and resolve my claim as fraud without substantial evidence and spoke to me in an absolute patronizing and condescending tone and language, Re-victimizing me and holding me responsible for the identity theft and fraudulent charges despite the fact that Im federally protected as a consumer and ignoring the fact that there are federal laws that are in place for my consumer protection. They are in violation of these consumer laws.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MO)

WAKEFIED AND ASSOCIATES IS A COLLECTION AGENCY WHO HAS BOUGHT THIS DEBT FROM SOUTHEASTERN EMERGENCY SERVICES. I HAVE NEVER HEARD OF THIS COMPANY AND REQUESTED PROOF OF THE DEBT, WHICH I NEVER RECEIVED. I HAVE BEEN DISPUTING THIS DEBT FOR OVER A YEAR.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (HI)

Company Names for Fraudulent Hard Inquiries US Bank on XX/XX/year>2024 XXXX XXXX XXXX  XXXX on XX/XX/year>2024 XXXX XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year>2024 XXXX XXXX  on XX/XX/year>2024 XXXX XXXX XXXX  on XX/XX/year>2024 XXXX XXXX XXXX on XX/XX/year>2024 XXXX  XXXX XXXX on XX/XX/year>2024 XXXX XXXX XXXX XXXX on XX/XX/year>2024 I contacted all of the creditors above to have inquiries removed however they still appear on my credit report there are many inaccuracies they are reporting different dates on different credit bureaus and they are also fraudulent.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

I relocated with proper notice to the rental office. My relocation was due to the reoccurring use of fire arms by others with in and near the building I was placed. ( The last occurrence was a bullet hitting my window waking my child and I out of our sleep. This and all other occurrences were reported and documented. There was no need for me to recertify my lease when I was already gone. This should not be and shouldve never been placed on my credit report. This continues to hinder me from moving forward in my life.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (NC)

Hello, I have sent money ( amount of XXXX USD + Processing fee of XXXX USD ) for my family 's medical assistance in XXXX on XX/XX/2023 from XXXX XXXX located on XXXX XXXX XXXX, XXXX, NC XXXX via Ria Money Transfer service using my debit card. The transaction was cancelled and was not delivered to my family. on XX/XX/2023 I directly called Ria Money transfer telephone number and asked them to re-attempt the cancelled transaction over the phone, which they did and I was assured the money will be delivered next day. The money was not delivered this time either and the transaction was cancelled for the second time. I was told by Ria agents that I will get a refund of the original amount within 7 - 10 business days on my debit card. The last transaction attempt was made on XX/XX/2023 and I have not received my refund even after waiting 10 days. I have called Ria money transfer Settlement department and lodged a complaint ( Case Number XXXX ) and they assured me I will get my money back with in two days which I did not. I have confirmed from my bank that there is no pending deposit from this particular agent. No matter how many times I call this agency, I am being lied to on a daily basis. This is a hard earned money That I trusted this agency to deliver and was robbed on a broad day light. I am reaching out to your bureau to intervene and help me get my money back. 
Best Regards!
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Solar Mosaic LLC (CA)

I had a solar loan on my rental property, my tenants were to pay the monthly payment and failed to do so. The company would call them regarding the default instead of me even though they had my information. My my account with them was then charged off. I have brought it current with the the company it was sent to. If they would have called or notified me in anyway this would not of happened. 
They said they sent letters however they did not sent these to my address they sent it to my tenant As soon as i found out about this I immediately contacted them then the agency they sent it to and brought it current and am setting up re payment with the collection company as I don have any choice as far as i can tell Also the original lender had my name incorrect and i contacted them several times and they never changed it
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SN SERVICING CORPORATION (MI)

On XXXX XX/XX/2023 SN Servicing sent a letter stating I had an escrow shortage which was odd because my homeowners insurance and taxes decreased. My Escrow increased to {$580.00}. But my taxes and insurance is only {$2000.00} for insurance and my taxes are XXXX. That is a total of {$3200.00} they are collecting a surplus of {$3700.00}. I tried to call and I emailed XXXX XXXX several times with no response. I would like to pay my own taxes and insurance. This change has my payment increasing by {$330.00}.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (NJ)

My mortgage for my house at XXXX XXXX XXXX XXXX NJ XXXX XXXX is below 78 % at the moment and my servicer ( Mr. Cooper ) refers me tXXXX XXXX XXXX XXXX  guidelines for a need to get a home appraisal to cancel the PMI despite the XXXX  Homeowners Protection Act. When I called Fannie Mae, they told me their guidelines are 75 % for loans 2-5 years old, hence I will continue to pay PMI until i reach year 5. This violates federal law. Law can be found at : XXXX XXXX XXXX I would like this to be investigated and proper action is taken.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Paramount GR Holdings, LLC (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (IL)

I opened a personal account with XE to transfer money from my PNC Bank account to my business partners in XXXX XXXX. I received an email from an XE employee, ( XXXX ), who informed me that I needed a business account instead of a personal one to proceed with the money transfer. During this time, my funds were held by XE. 
However, while I was in the process of changing my account, XXXX went on vacation. The following day, a new person named XXXX ( XXXX ) joined the same email thread and introduced himself as my new account manager. 
This person exhibited persistent behavior by repeatedly requesting my personal details, including my account username and password. Additionally, they claimed to have reset my password and supplied me with a new one, implying that they had gained access to my account without requiring any personal information from me. 
In the end, there was an unauthorized transaction of my funds from my XE account in the total amount of XXXX USD. 
I attempted multiple times to gain information from XE, especially about the transfer itself, asking them repeatedly how did the transfer occur and why did they not stop it, where the money ended up and so forth, at which they kept telling me that they do not now how this happened and there is nothing they can do on their end. When I asked for call recordings I had with their customer support agents in order to use it as evidence, they promised to send them ''within a few days, but never did. 
XE has had a prior history of breaches of security and unauthorized transactions occurring. In XXXX, XE was hacked and the personal information of over XXXX XXXX customers was stolen. This included names, addresses, email addresses, and phone numbers. In XXXX, XE was again hacked and this time the hackers were able to steal customer passwords and credit card numbers. As a result of these breaches, XE has been fined by the XXXX XXXX XXXX XXXX XXXX XXXX ( ICO ). 
In addition to these breaches, XE customers have also been the victim of unauthorized transactions. In XXXX, XE was forced to refund {$1.00} XXXX to customers who had their accounts hacked and money stolen. In XXXX, XE was again forced to refund customers who had their accounts hacked and money stolen. 
Taking all of this into consideration, it would not surprise me if I was simply another victim of XE 's negligence and poor security.