davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

I requested a student loan refund of {$9800.00} from Nelnet on XX/XX/22. I was informed by Nelnet at that point that it would be 4-6 weeks before I would receive that refund. 

Over the course of the next several weeks, I called Nelnet repeatedly to confirm that my refund was still on track to arrive within 4-6 weeks. I called on the following dates : XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 Each representative said my request had been sent to the treasury. Each representative stated that Nelnet no longer had my refund paperwork and that it was with the federal government. Each time I was informed that 4-6 week window started on XX/XX/22. 

I called again today ( XX/XX/22 ) and was informed my refund request has not gone to the treasury yet and that the 4-6 week window has not been triggered yet. This surprised me because I have called Nelnet numerous times and received different information. The representative today told me that Nelnet has struggled to provide accurate information and that many of the previous times I called I did not speak to people in proper departments who would know this correct information. 

I previously filed a CFPB complaint against Nelnet to confirm that my refund request was received and to receive an estimate of when I would receive my refund. I would like to submit a second complaint now due to the completely false information I was provided on numerous occasions by Nelnet.
Consumer complaint received 2022-09-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATEWIDE AUTO SALES (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2022-08-26
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NM)

My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on my credit report. Thank you.
Consumer complaint received 2022-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

Roughly three months ago I started the process of refinancing with XXXX XXXX. After the process, I was getting ready to close with XXXX XXXX and the underwriter requested the last 12 months payment history being reported on time. Upon requesting this information, XXXX from XXXX XXXX and I noticed my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( that were paid on time ) according to loan modification papers and payment history ( which is attached below ) are being reported for paying XX/XX/XXXX which is the beginning for my loan forbearance/ modification. Modification paperwork that I have agreed to had my payments resuming as of XX/XX/XXXX. My refinancing is all set pending I receive payment history reporting correctly or a letter on company letterhead stating those payments are for the correct months and have been on time, not thirty days late, for the last twelve months. 

XXXX ( XXXX XXXX XXXX XXXX ) and I have made several attempts by calling, emailing, and faxing, multiple times each way and have got the run around for the last month and a half. We have talked to many supervisors that have stated that the problem will be fixed. As of XX/XX/XXXX, XXXX and I haven't gotten any results or resolution to this matter. My refinancing time before having to re-apply and start this process again from the beginning is running out.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS
Consumer complaint received 2022-09-18
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. (TN)

XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 2022-09-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have 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 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

-On XX/XX/22 I was sitting at home when I received an email from XXXX ( point of sale system ) with an automated receipt for a purchase just made using my debit card. Since I knew I did not make this purchase, I logged onto my TD Bank account to confirm whether or not there had been a fraudlent charge made using my card. Once I logged in, I saw XXXX charges that I was completely sure I did not make, as I had not even left my neighborhood in the past week, and certainly had not visited the vendors at which charges were made. I next looked for my debit card, which was missing, as was my drivers license. 
- I called TDBank and filed a fraud claim, as well as closed the card out. The charges totaled {$200.00}. These are the charges 1- XXXX XXXX XXXX  2- XXXX XXXX XXXX {$8.00} 3- XXXX XXXX XXXX XXXX {$10.00} 4- XXXX XXXX XXXX {$140.00} 5- XXXX XXXX XXXX XXXX 6- XXXX XXXX {$11.00} 7- XXXX XXXX XXXX {$20.00} - TD Bank issued provisional credit to my account XXXX XX/XX/22 in the full amount of {$200.00} - On XX/XX/22, TD Bank reversed the credit to my account because they had denied my claim, stating " no aggressive usage or depletion of account ''. I called TD bank to receive the documents used to make such a determination and to seek closing my account, as I was told I was protected against fraud and clearly I was not. I was then advised to re-issue my claim first, so I did. Again, provisional credit was issued. 
- On XX/XX/22, TD bank alerted me that the provisional charges would be reversed and my claim was again denied, now stating the reason " card was not utilized after you notified us to close the card ''. 
- On XX/XX/22, I visited my local TD Bank in XXXX XXXX, XXXX to request to close my account because of the lack of financial protection. I also never received the documentation from the investigation I had requested. I was advised by a bank associate that I should file a police report first and file a third fraud claim with TD Bank. I did this but no provisional credit was issued, and no confirmation of the third claim has been issued. 
- On XX/XX/22 I filed a police report for the fraudulent claims at my local precinct. As instructed by the TD associate, I faxed the police incident report slip over to their fraud claims department. I then called TD to let them know I had done so. I inquired about the documentation request I had made, only to find out there was no evidence that one had ever been submitted. So I again requested documentation. There has been no response from TDBank as of today XX/XX/22.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Dispute including FTC fraud reports were sent to the Bureaus. Account was removed. Account was reinserted a month later without the required 5 day notification. Also, account not blocked from reporting as required by FCRA. 

Account : XXXX
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (TX)

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1980, and my social security number 's last XXXX digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Top Flight Assistance (Top Flight Credit Assistance) (OH)

On XX/XX/2022 I paid {$1000.00} to Top Flight Assistance for credit repair services. After months of no contact, the company is now unreachable by phone or email, and I have not received any of the agreed upon services as stated in service agreement contract. I have made several failed attempts at messages thru the companys app based client portal, which Ive since been locked out of, and attempted calls and texts to members of the staff who originally were tasked to handle my account.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

What happened was that somebody hack a log of peoples account and stole our money. They used my zelle account to transfer money from XXXX account and send it to mine and then send it to another one. My money is gone and the money from the person before me is gone too. 

Now Im receiving calls from that they stole the money saying that they gon na kill me and blaming me. When the same is happening to me, they dont let me explain they stole my money too. All my money is gone too.
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

on XX/XX/2022 a written letter was sent to Phoenix Financial via Certified Mail requesting Phoenix send me a debt validation of this account. I never receive any written notification prior to them reporting this alleged debt on my credit reports. And they never reply to my letter written back in XXXX to prove this is my debt. I have proof they received my written request because they signed for the certified mail concerning all of my request which you will find with this official complaint. So my final request now is for Phoenix to delete this account because they have violated my consumer rights.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX I did not authorize this account
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (MN)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc. (AL)

Amerassist has threatened to continue to pursue me for a debt I do not owe. XXXX XXXXXXXX cancelled my account and I have provided proof of cancellation. Amerassist keeps responding with a validation response when that is not the issue. Both XXXX XXXX and Amerassist are continuing to pursue me for a credit I do not owe. The country had a mandatory shut down due to the pandemic. XXXX XXXX could not remake the trays that were done incorrectly because we were in the beginning stages of the pandemic. XXXX XXXXXXXX closed their shops on XX/XX/2020 and XXXX XXXXXXXX cancelled my account on XX/XX/2020 because they could not make my trays and could not provide me the service that I signed up for. This is not a validation issue this is a human rights issue. XXXX XXXXXXXX made two top trays instead of a top and bottom tray they could not provide service to me so they cancelled my services and forgave debt. Amerassist has no right knowing my medical information or trying to pursue me legally. This is a complete violation of my rights. This is also a violation of the state of New Jersey as it was in a mandatory shut down. The response from Amerassist is abusive We have provided the consumer with validation of the account. The reasons for dispute given by the consumer to our agent, the XXXX XXXX XXXX and the CFPB are inconsistent. AmerassisXXXX has blocked the consumer 's account with a cease & desist to prevent any further communication. The account, however, remains due and outstanding to XXXX XXXXXXXX and will continue to be reported to credit reporting agencies. XXXX XXXX email XXXX for this I am asking for monetary relief at this point and for Amerassist to stop pursuing me for a debt I do not owe. Amerassist and XXXX XXXXXXXX are committing Fraud and someone needs to investigate both companies. For Amerassist to just dismiss what I am saying and block communication when they have no right to have my information in the first place is injustice. This is Covid Protected we were in the beginning of a pandemic that the world has never seen and everything shut down. There was no operation due done from any company due to fear of passing Covid along. XXXX XXXX and Amerassist are in violation of the State of New Jersey which went into a State of Emergency on XX/XX/2020 by Governor XXXX. I have no obligation to XXXX XXXX and Amerassist and for this I ask for them to stop trying to collect and stop the abuse and harassment.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (LA)

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.

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 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

On XX/XX/2022, I applied for a credit card account with Discover. This was my first time applying for a credit card ( I just got my SSN ) and my credit card application was supported. And after that, I also signed Form 4506-C, but on XX/XX/2022, I was notified that my account was closed because Discover could not verify my personal information. I can guarantee that I filled in the correct information, but my card is only kept for two weeks, which will seriously affect my record as a credit novice, and it may be difficult for me to apply for this credit card again.I don't think it's my fault, and Discover damaged my credit history.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (MD)

I had a checking account with M & T bank. On XX/XX/XXXX I sent a secure messages asking them to close the account. I got a notification in XX/XX/XXXX that my online statement was ready, thinking little of it since often banks will do one last statement for a closed account. I got a notification this morning that another online statement was ready. I accessed my account and discovered that not only had my account not been closed as requested but that I had been charged a service fee of {$24.00} for both XXXX and XXXX, bringing my account into a negative balance of almost {$50.00}. I attempted to secure message M & T this morning to ask why this occurred but it says " Were experiencing high volumes in our inbound secure message system and the ability to send messages is currently unavailable. '' Phone support is also not available on Sundays.
Consumer complaint received 2023-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I paid {$1400.00} full amount on my XXXX XXXX credit card on XX/XX/XXXX. My XXXX XXXX payment is NOT DUE until XX/XX/XXXX. 
XXXX posted XX/XX/XXXX XXXX full amount XX/XX/XXXX Equifax XXXX XXXX lowered my credit score XXXX points on XX/XX/XXXX. I made the purchase on XXXX days after {$1400.00} purchase, XXXX points was lowered from my credit score, UNETHICAL business practices by Equifax XXXX XXXX. 
A. XX/XX/XXXX purchase made on XXXX XXXX {$1400.00} B. XX/XX/XXXX Equifax XXXX XXXX lowered my credit score by XXXX points C. I paid off XXXX XXXX {$1400.00} I paid off XXXX {$160.00} both on XX/XX/XXXX, I have XXXX credit card debt D. My XXXX XXXX credit card payment is due on XX/XX/XXXX. 

Equifax & XXXX lowered my credit score XXXX points FAILED to allow me time to make any payments. Please RESTORE the XXXX points removed because {$1400.00} is paid in full my XX/XX/XXXX, My payment date is XX/XX/XXXX Discrimination is deducting XXXX points from my credit score XXXX to XXXX in 11 days! The charge posted XX/XX/XXXX, XX/XX/XXXX points deleted Full amount paid {$1400.00} XXXX XXXX. 
RESTORE THE XXXX POINTS My payment is not due until XX/XX/XXXX, my credit cards are paid in FULL ( ATTACHED credit card paid in full XXXX XXXX {$1400.00} )