davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Airtm Inc. (FL)

I use the Airtm service and i transferred {$490.00} BUSD that I had in XXXX to Airtm on XX/XX/2022 and everything is correct. 

I sold the {$490.00} BUSD directly to {$480.00} Airtm ( BUSD to AirUSD ) which is the currency they use to make transactions with other users ( XXXX ) on XX/XX/2022 and everything is correct. 

I try to sell the {$480.00} Airtm to send the funds to my bank account and I get a message that says : " Limited Account. You are not allowed to move funds on Airtm, contact XXXX '', in that At the same time I make a report on XX/XX/2022, they sent me an email that says : XXXX XXXX, nice to greet you. 

Our specialists are still generating a review of your account, from our Support team we are following up on the case, as soon as it is over we will send a notification through this channel. 
Cheers. '' It's been more than 17 days, they don't resolve the blocking of my account and they don't give me any explanation.
Consumer complaint received 2022-11-08
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} ; US DEPT ED XXXX XXXXXXXX : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX : {$0.00}
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (OH)

A debt collector is claiming I owe for carpet cleaning / replacement that took place ~6 years ago at an apartment I formerly lived at. The lease, that I retain a copy of, and have sent a copy to this creditor, clearly states that carpet replacement and cleaning is NOT the responsibility of the tenant after 24 months. Further, I did receive a letter from the property management and have record that I paid in full the final balance due. This charge was added AFTER the fact to that balance. 

I retained this apartment for 36 months. This alleged debt is fraudulent and wasn't brought to my attention until it showed up on my credit report very recently as being in collections, despite its age. Further, even if this debt was valid, it should be allocated to all parties that lived in that apartment and split multiple ways. I've reached out to these parties, and this isn't the case. This alleged debt is only being collected on me. 

This is negatively impacting my otherwise pristine credit report and is unlawful and fraudulent.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX :
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719 transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX XXXX old daughter
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (VA)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

There is a Credit Card from XXXX XXXX reporting on my credit report inaccurately Acct XXXX XXXX, Opened on XXXX XXXX, XXXX. 
I have requested a full accounting of this card two times now and have yet to receive that information from XXXXXXXX XXXX. I am again requesting all the statements from XXXX through XX/XX/XXXX. 
XXXXXXXX XXXX has been reporting the date of last activity on this account as XX/XX/XXXX and XXXX ( XXXX ) time now have reported that date of last activity is reporting correctly. 
However my records show there were NO successful payments for this XXXX XXXX credit card in XXXX, XXXX and XXXX of XXXX. So XXXX XXXX must believe this account was actually used in XXXX, XXXX and XXXX of XXXX. If that is true it may have been fraud. But I can not confirm that unless XXXXXXXX XXXX  provides me a copy of the statements I have requested.
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-08
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. (CA)

Subject : Formal Dispute of Inaccurate Credit Report Information Experian Report Number XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to dispute a potentially negative and inaccurately reported item on my credit report, which I believe is impacting my credit scores unjustly. I am requesting the correction of the following inaccurate information as mandated by the Fair Credit Reporting Act : Experian Report Number : XXXX Record Type : Chapter XXXX Bankruptcy XXXX Date Filed : XX/XX/XXXX Date Resolved : XX/XX/XXXX Responsibility : Individual Reference Number : XXXX Reinvestigation Outcome : No change XXXX XXXX dispute processing Record Expires : XX/XX/XXXX Court Information : XXXX XXXX CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, ( XXXX ) XXXX This entry remained unchanged even after my initial dispute in XX/XX/XXXX, which leads me to believe that either the dispute was not processed correctly or the outcome was erroneously concluded. Therefore, I am requesting a reinvestigation of this item. 

Attached you will find copies of documents that support my claim, including : Correspondence relating to the initial filing and discharge of the bankruptcy. 
Proof of the discharge that clarifies any inaccuracies in the dates or other details reported. 
Any previous correspondence with your agency regarding this dispute. 
Given the potential impact of this discrepancy on my financial health and opportunities, I urge you to correct or remove this inaccuracy from my credit report as soon as possible. Should the reinvestigation not resolve my dispute, please include a statement of the dispute within my credit file to clarify the contested nature of this record for future credit assessments. 

Thank you for your attention to this matter. I expect your prompt response and resolution of my dispute, ensuring the accuracy and fairness of my credit reporting. 

Sincerely,
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Receivable Solutions, Inc. (SC)

On XX/XX/2022 I received a letter by Receivables Solution attempting to use the Setoff Debt Collection Act to seize my taxes on time barred debt. When I protested about the letter because it was dated XX/XX/2022, I received response that 30 day limit was expired and that my protest was denied. Along with the response was copy of bills which showed that statute of limitations was expired for taking legal action against medical debt in SC pursuant SC 15-3-530. In review of the Setoff Debt Collection Act SC 12-56, nothing within the statute can be construed to make void either the State Statute or Federal Statutes in collection of debt. The SCDOR administrates the act and clearly and explicitly state " The SCDOR does not impose an age limit on debt received from claimant agencies. However, claimant agencies are required to follow any state or federal regulations imposed on their agency 's collection practices. For example, if federal regulations state that housing authorities can not actively collect on debts older than 12 years, then housing authorities can not submit debts over 12 years old to the SCDOR for Setoff Debt or GEAR participation. '' Therefore collection of medical debt is limited to three years and any action would be construed as illegal pursuant to SC Law. 1006.26 makes it illegal for a debt collector to bring a legal action against a consumer for time barred debt. Receivables also has violated the Fair Debt Collection Act 1692-1692 p furnishing false information to the consumer by not listing its name and address on the envelope or letter. The debt collector also has failed to give consumer notice that the communication was from a debt collector. Furthermore, XXXX XXXX XXXX has failed to provide due process by not following the required notifications to SCDOR that a protest has been filed and setting up a hearing date. 

Please note that exhibit rec-lex page 1 list XXXX XXXX XXXX XXXX and not Receivables Solution as noted in calling numbers listed on letter XXXX and XXXX -- see attache XXXX and also have larger recording per request of other listed on letter. See Bad Debt Policy which explicitly states that debt collection over 120 days is handled by outside debt collector. See also screen shots from SCDOR website ~ https : //dor.sc.gov/about/setoff-debt-and-gear ~ defining statute of policy in collection of debt including time barred debt and notice requirements for due process when protest filed. NOTE : XXXX includes all communication involving this including letter to be sent after filing complaint -- shows initial letter, protest, denial of protest with list of debt showing time barred debt. Screen shot below includes SC Statute of medical debt.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received a text message stating the following : Citizen : Your {$870.00} XXXX XXXX transaction is pending. Please respond YES to confirm your approval, or visit our branch or https : //xrl.today/rKIKv to reverse it. 
My Citizens bank account is now closed and has been for some time. Seems to me that they are fishing for information. The the URL was blocked by my virus protection.
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (HI)

I have been stuck in the process of the PSLF since XXXX with no sign of resolution. My loan was transferred to Mohela at the beginning of XXXX and I am no closer to forgiveness than I was then. 

My PSLF payment count is actually lower on Mohela than XXXX and the PSLF tracker at Mohela shows no information. 

I have received no communication since my transfer other than when I call, and I have been given dates for forgiveness ( end of XXXX, end of XXXX ) that have been patently false. 

When I do make the mistake of calling Mohela, the average hold time is over three hours. On three occasions, I have been on hold that long only to be disconnected with an automated message about busy lines. 

I have nowhere to turn for information.
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I made refund requests for my Dept of Education held loan on XX/XX/XXXX and XX/XX/2022 from Nelnet as provided for under the CARES act and was told I would receive refunds within 4-6 weeks. On XX/XX/XXXX, my loan balance was not updated on my Nelnet account and I had not received refunds and so called Nelnet for an update as previously instructed and was told that my refunds " were not even processing yet ''. When I asked for a date by which I *could* expect my refunds, the Nelnet representative stated they would take " two more months, but would be completed by some time in XXXX, by end of year ''. When pressed as to why the timeline of 4-6 weeks was given not once, but twice previously, and how the backlog could possibly affect requests made in XXXX when there was no backlog at that time, the Nelnet representative stated the system is overloaded with requests and that processing time has increased. On that same day ( XX/XX/2022 ) I filed a CFPB complaint asking that my refunds be processed by XX/XX/XXXX. On XX/XX/XXXX, as part of their official written response to my CFPB complaint, Nelnet stated that my refunds were waiting on approval by the Department of the Treasury. On XX/XX/XXXX and XX/XX/XXXX I called Nelnet again and was again told they were waiting on approval by the Department of Treasury. 

On XX/XX/XXXX I called and spoke directly with the Department of Treasury Fiscal Bureau who explicitly denied that the Department of Treasury had ever received refund requests for my accounts and they said that refunds are solely the responsibility of and processed by loan servicers, and the ony approval is by the Department of Education, never the Dept of Treasury. I immediately called the Department of Education Federal Student Aid Office and they confirmed what the Dept of Treasury had said. I then in turn called Nelnet and spoke with a XXXX XXXX in the Nelnet Solutions Department, who reviewed the CFPB response and said that the information in the CFPB response letter from Nelnet was wrong and the Department of Treasury is in fact NOT who approves refunds. XXXX also confirmed that my refund are still sitting with the Nelnet accounting department XXXX weeks after the refund requests were made.