davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (LA)

Hi, I hope all is well. 

I have one account with Nelnet that has reported my account as " current '' one month, then on month later, reports as " 90 days late '', then reports as " 120 days late '' the following month before reporting as current again durning the following 4th mont ( Current - 90 Days Late - 120 Days Late - Current ). This has happend on three separate occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I log into my account, the latest account information dates back to XXXX XXXX XXXX ( Attached ). When I call to get information that dates back further, I am told that it is not available, which makes it impossible for THEM to furnish this inoformation to others. 

I have asked for a correction with through mail, email, calls to representatives who can not make changes even at the supervisory level which is the highest level you can get to in a call. 

LASTLY, this ONE account reports as 15 different accounts. Which means I now have 75+ negative incorrect reports from a Nelnet which can not provide information/proof explaining how I can I can go from " current '' to " 90 Days Late '' from one month to the other. 

Any help or clarity given would be really appreciated. 

All the best, XXXX XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CERTIFIED COLLECTORS, INC. (TX)

Validation notice dated XX/XX/XXXX does not have whom the debt is owed nor the date of service. 
Notice 2 dated XX/XX/XXXX is threatening to report to the credit reporting agencies. This notice is 30 days from the original validation notice. I did not receive the 1st notice until XX/XX/XXXX due to the holidays and have the letter to mail to this company regarding validation and I received the 2nd notice last week. This can not be right even with the new rules that will be in effect. Thank you for your timely response.
Consumer complaint received 2022-04-21
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. (OH)

I sent a certified letter to XXXX XXXX XXXX Account # XXXX on XX/XX/2022, " demanding the company provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically XXXX XXXX XXXX XXXX XXXX an entity entitled to enforce a commercial claim You do not conduct commerce against me. '' ( I have attached a copy of the letter ). Use of name, birthdate and social security is not validity. XXXX XXXX XXXX did not provide the requested information and did not remove this account off my report.
Consumer complaint received 2021-02-02
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: Resurgent Capital Services L.P. (IN)

On XX/XX/2017, LVNV Funding, LLC added a derogatory remark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtors/creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say it is mine. According to FCRA, LVNV Funding, LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

I was having a technical issue with my gmail account. I called the XXXX XXXX customer service number. A supposedly XXXX technician said he could help me and need to access my computer. He said it had been hacked. He said it would take an hour or so to fix and then it would be a charge of {$89.00}. When it was time to pay he got access to my bank when I was trying to pay online and changed the amount to {$990.00}. My bank said that they could not help me that I allowed it which I did not. They are unable to refund the money. Please do not trust the internet phone numbers. This was a total scam and I am so ashamed and angry.
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: ARS National Services, Inc. (CA)

To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under : ARS NATIONAL SERVICES INC reference number XXXX, and XXXX XXXX XXXX reference number XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by XXXX XXXX XXXX, repossessed in the state of ARIZONA in XXXX, and sold by XXXX XXXX XXXX on or about XXXX. 
Under the law and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I currently have not received any of the required notices which were supposed to be properly and timely given, and all of the allowable redemption and cure time limits were supposed to be adhered to.If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system to let me know their will be a deletion of the trade-line.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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. (IN)

In accordance to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-19
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  XXXX ( XXXX  XXXX XXXX & Early Warning Services , 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 

On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my Early Warning Services consumer report from XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attached those correspondences below. Early Warning Services responded by placing a block on the XXXX  file due to Identity theft in which I included a police report. I then received a letter from XXXX attempting to collect on this alleged debt. Early Warning Services sent a response regarding my dispute with XXXX XXXX  stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at Regions bank to verify the debt and they were unable to provide such information. 
According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that Early Warning signs has to provide copies of signed documentation and Early Warning stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. Early Warning didn't properly investigate this information so why are they reporting this information on my file. Lastly, Early Warning didn't respond to my dispute regarding XXXX XXXX Bank at all. This letter was included with the other two dispute letter sent by Certified Mail as Early Warning did say they received it.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (TX)

Subject : Discover/XXXX Restriction XXXX Discover deliberately restricted access to money transfer feature, XXXX, for many Cashback Checkings account holders with no upfront announcement prior to system maintenance. Features were limited and unable to be used several weeks before formal announcement was made via email in late XX/XX/2022. Spoke with many Customer reps about issue on several occasions with no real explanation to issue ; Discover reps would continue to point the finger at other third-parties being responsible for the issues. During this system maintenance, the ability to use XXXX has been COMPLETELY RESTRICTED at ALL banking institutions ( not just Discover ) and many customers were unethically placed on XXXX Global Restriction [ derogatory negative reporting ] due to the actions taken by Discover. It has been nearly been 2 months since issue began and still no resolution. Discover continues to admit that the issue is with other third-parties ; despite them being entirely responsible for the amass issues they have caused for many other account holders. 

Here is a link to others experience on the issue : XXXX XXXX XXXXXXXX Finally, Discover needs to have some integrity and right these wrongs that they are solely responsible for. An Executive needs to step up and take responsibility for this fault and do the work to correct these unethical business operations.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

The JP Morgan Chase Bank Credit Card Account XXXX in XXXX is non-compliant to the adjustment the CARES ACT made to the FCRA laws surrounding reporting : Please refer to the CARES ACT information affecting this inaccurate late payment. It was pulled from the XXXX website, entitled : XXXX XXXX and Scores Under the CARESACT. '' The article is located at this web address XXXX XXXX XXXX XXXX  # XXXX This alleged late payment falls under the CARES ACT : The Card issuer was contacted in early XXXX, and they agreed to provide me a fee reversal due to COVID-19 Hardship. I learned on, XX/XX/XXXX, The reversal was not posted to my account as they agreed. I contacted the card issuer again on XX/XX/XXXX, and they stated that the fee reversal would again be provided to me. The fee reversal represents an accommodation as defined by the CARES ACT. It falls under the stipulation that the creditor provided me with relief due to COVID-19 hardship. Thus must delete the LATE status reported in XX/XX/XXXX.
Consumer complaint received 2020-08-25
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: AUTOMOTIVE CREDIT CORPORATION (MI)

After COVID19 hit I was laid off my company closed down. I contacted Automotive Credit Company to  have my payment deferred. They said they would defer them. Checked my credit reports they marked me 30 days late for XX/XX/2020, XX/XX/2020, XX/XX/2020 when I was told by the representative that they would not report any lates. I ended up paying my loan off early and they lates are on my credit reports preventing me from getting another loan. How can they do this when I had no control over not being able to work due to COVID19. I want the 30 day lates removed from my credit reports. This is so unfair.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In XXXX or XXXX, XXXX, I redeemed XXXX HSBC Reward points for {$51.00} cash to my external bank account. I was unaware that the {$51.00} had to be transferred to an HSBC bank account. HSBC did not transfer the money to my external bank account. By its letter to me of XX/XX/XXXX, HSBC advised me that " We were not able to process the credit because the Checking Account you selected is not the correct account. Therefore, we have returned XXXX points to your Account. '' See 12/28/20 HSBC Letter ATTACHED. However, 30 days after the letter, after 5 phone calls with HSBC and more than 4 hours on the telephone with HSBC, HSBC has not returned any Reward points to my account, so my Reward Points remain at XXXX. I have called HSBC 5 times. I was repeatedly told by HSBC that the matter was being " escalated '' to a Supervisor and someone in Customer Service would call me back the next day. It is now XX/XX/XXXX, more than 30 days from the HSBC letter, and Customer Service did not call me back nor restore the XXXX Reward Points to my account. Today, I again called HSBC because I still have XXXX Reward Points, and was on the phone with HSBC for OVER TWO HOURS, and at the end of the conversation, was told that HSBC would " look into the matter and contact me within 3-5 business days. '' This is not a reasonable response. HSBC affirmatively misrepresented to me that the Rewards Points were restored to my account, and when they were not, there was really no reasonable remedy.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I cosigned an auto loan for my significant other. During the outbreak of COVID-19, he then became unemployed and was unable to make his payments. We contacted Credit Acceptance and they agreed to defer payments. Then the car was in a total loss accident and our insurance company paid off a large amount. Believing our XXXX Insurance would cover the rest and the fact that payments were being deferred, we believed that the vehicle would no longer need to have payments. However, payments were reported late on our credit files and a comment stating " affected by natural disaster '' was added. Filing a dispute with the credit bureaus did not solve the issue of late payments being reported during COVID or the fact that we were not made aware of payments still needing to be made after the accident. We did not receive notification until a letter to settle the due balance was mailed. The late payments reflected on our credit files are inaccurate and unfair due to the fact that we contacted Credit Acceptance, they show that they acknowledged our request but did not enforce it and due to the fact that we filed a claim with our insurance company and had XXXX Insurance so we were expecting not to be burdened with paying on a destroyed vehicle.
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  Amount {$700.00}, 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 2020-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (MA)

XX/XX/20 I went into XXXX XXXXXXXX XXXX at approx. XXXX. I was going to purchase a 6 pack of beer, upon inserting my debit card in the machine, it said approved and to remove the card. I did, the cashier as well and other gentleman at other register ( I believe either manager or owner ) claimed the card did not go through and to reinsert my card I did with the same results.The two gentlemen told me I needed to put my car in again, because they could see it did not go through. I refused and told them I would be checking with my bank, I left the store making no purchase or leaving with any goods. cameras in store could verify that fact. I didn't have my telephone on me at that moment, so as soon as I did I checked my account and both transactions were pending, I called TD Bank immediately, I was told to wait until next day to file a complaint to make sure transactions go through, they did and I called the bank to file complaint. TD bank sent me a letter informing me that I needed to provide a receipt for transaction which I never received anything, because other than them taking my money there was no transaction. I was told to rewrite complaint and fax to fraud dept. I did and received letter in mail saying there was no processing error and they were taking money from my account.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I got a {$370.00} for a card that I do not or have had with either Truist, Suntrust, nor BB & T. 
They say that I can not dispute the charge. I never authorized this payment and it is not the first time it happens. After I resolve this issue I will go to another bank.
Consumer complaint received 2023-04-01
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. (NC)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

In XXXX, the state of Georgia paid the past due balance of my mortgage payments requested by my lender, Specialized Loan Services, in order to bring my account current. The money was paid through a state funded program called the Georgia Mortgage Home Assistance Program. In addition, to the program bringing me current, they also paid my mortgage up for an additional 3 months.This check that was issued and received by my Lender, for my behalf. The additional money allotted by the program pays my mortgage up through XXXX. This is done by the program in order to help home owners stay current so that they are less likely to default in the future. The Program notified me about the additional funds they were giving me and told me to make sure the Lender does not misappropriate the funds. Well that is exactly what Specialized Loan Servicing did, they misappropriated the extra funds. I call it outright stealing. My Lender was very aware that the additional funds were to be applied to my future payments for the next 3 months. My Lender had already received the amount they requested in order to satisfy my past due owed. Therefore this was no error. I called Specialized Loan Services in XXXX  and asked them to properly apply the extra funding that was given to me. They told me they were applying it to my future payments at that moment. As of today, my funding has not be applied to my future payments. Specialized Loan Services has stolen my funds and they are now attempting to default me illegally.
Consumer complaint received 2021-02-21
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: Bread Financial Holdings, Inc. (GA)

The following accounts appearing on my credit report are fraudulent : COMENITYCB/XXXX XX/XX/XXXX {$0.00}, COMENITYCBXXXX  XX/XX/XXXX {$890.00}, XXXX XXXX XX/XX/XXXX {$0.00}, COMENITY CAPITAL BANK {$670.00}, XXXX XXXX I reached out to the XXXX XXXX, and XXXX  credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.