davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AZ)

Beginning the week of XX/XX/20, my son realized that we still owed on his student tuition. We had automatic payments coming out monthly to pay this. We then contacted Nelnet, who services tuition payments for the College and was told that our credit card on file had expired, unbeknownst to us. They said they sent several emails to our son but he didn't see them or realize who Nelnet was because he is not responsible for paying his tuition, we are as his parents. We set up the payment plan with our credit card because he has no job or credit card. We had his emails on file with Nelnet as well as our contact phone numbers. Nelnet said that they only communicate via email. We find this to be strange and very limiting considering that email notices can go to junk or spam and go unread. Seeing as Nelnet services almost {$400.00} billion in student loan payments, they should have several means of communication. Or at the least, contact the person who's credit card they are charging. Our complaint is that they took out 5 of the 6 payments and charged a {$20.00} service fee for doing this. The last payment was rejected by our bank since the expiration date was expired so Nelnet closed our account. We offered to give them the updated card information but they said since the account is closed, they can't accept it. So at that point we asked for a pro-rated refund of {$3.00} since they failed to complete the contract of which they charged us for. They refused, so now we are seeking your assistance. Our concern is that they should handle ALL payments the same and not close the account until ALL payments have been received or at least when there was no response to their emails, they could have called the numbers on file, contacted the college or sent a letter. There needs to be more than one line of communication.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — 
Company: Real Time Group, Inc. (CA)

Real Time Solutions continues to report 120 days late on a my credit report even though this account is closed by the original lender, been charged off, and sold. This is for a HELOC that was originally taken with XXXX XXXX XXXX in XX/XX/XXXX for {$60000.00}. The last payment on this account was XX/XX/XXXX. 

In XX/XX/XXXX the account was closed by XXXX XXXX XXXX and Real Time Solutions purchased the debt in XX/XX/XXXX. Since XX/XX/XXXX, Real Time Solutions has continued to list the account as open and report 120 days late every month since that time. This incorrect reporting on a closed account continues to damage my credit. 

In XX/XX/XXXX, I submitted an online dispute through the XXXX website, stating that this account should have been closed and is incorrectly reporting late payment history every month. The results from the dispute now shows the account is closed, but payment history continues to show 120 days late and payment status showing past due 180 days. 

According to the XXXX website the past due amount is {$53000.00} with a balance of {$72000.00}. The balance appears to grow each month as interest continues to accumulate, on a closed account. As this account has been dormant for quite some time, the correct balance is unknown to me due to interest on top of interest and erroneous fees added on by Real Time Resolutions.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXXXXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-12-23
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)

I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA   and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote XXXX, Equifax, and XXXX   and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

Fraudulent activity began on my TD accounts on XX/XX/2022. 
{$4000.00} was transferred from a trust account to a personal checking account to which my debit card was linked. Numerous transactions were then withdrawn from my debit card. TD bank issued provisional credit for the majority of transactions, however, TD bank REVERSED their decision claiming that no fraud had taken place and debited my account {$780.00}, {$270.00} and {$170.00} on XX/XX/2022. The aforementioned charges stemmed from a fraudulent XXXX account which I DID NOT open. Numerous visits to my local TD branch XXXX XXXX XXXX XXXX and numerous phone calls to TD Fraud Dept. have yielded NO satisfaction in the returning of my funds. I have been told by both the TD Fraud Dept AND the representatives at my local branch that there is " nothing they can do '' and that I should " take it up with XXXX. '' This is unacceptable. 
I want the missing funds returned.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I called XXXX  in order to complete an order for a flight visa, however, I was scammed for {$7900.00}. I gave the company my debit card number with the intension to purchase a travel visa for {$250.00} however, this company was able to hack into my bank account and XXXX themselves for over {$7900.00}. I reported this issue to the bank and they did not recognize it as fraud and will not proceed to any further measures to obtain my funds back. This person with this company hacked into my bank account and made unauthorized transactions. Chase bank has been no help.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have ( had ) 2 Credit Cards with Capital One Bank for several years. I have never been delinquent in my payments and currently carry a {$0.00} balance. I used their online service to add some Authorized Users to each of the Accounts. I noticed that they had not reported so I called a week or 2 ago. I was automatically sent to the Fraud Dept. I  was told that they needed the Signed SS Cards and the Front and Back of each Authorized User ' Drivers License. I provided them in 3-7 days ; I was told that I had 14 days. I then called back to confirm receipt. At that point, I was told that the accounts have been permanently CLOSED. No reason was given. I called back several times to get a reasonable explanation and then perhaps to get the cards reopened because of a possible mistake. Only one of their many representatives that I spoke to could give me a reason. Today, she said that my accounts were closed due to returned pmts on this or other related accounts. That is in fact NOT TRUE. I have NEVER had a delinquency with this company, nor do I have delinquencies with any other account, related or not.
Consumer complaint received 2023-05-13
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. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2020-01-03
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft.
Consumer complaint received 2023-05-10
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. (NV)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

ChexSystems continues to report incorrect information regarding various accounts that have been settled or paid-in-full. This reporting has impacted my ability to obtain credit or checking. 

I have attempted to correct this with the agency numerous times.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am filing a complaint over some unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX I do not have any of these financial products and I do not wish to have a account with these companies please delete them they are errors and I never signed any documents.
Consumer complaint received 2022-05-04
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: CLGF Holdco 1, LLC (NJ)

In accordance with the fair credit reporting act XXXX  acount # 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-10
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$240.00}
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I closed my account XX/XX/2020 and was told I would receive my check for balance in the account {>= $1,000,000} within 30 days. A couple days later I received email asking for me to provide source of my income. I provide the source of my income thru invoices which was stated in the email that I could use. I later get another email asking me to provide copy of my licences front/back as well as copy of utility bill in my name to verify my address. I provided the information thru email. Then I later recieve another email asking for XXXX and I provided that as well. I also received email XX/XX/2020 that I would receive my funds within 3 to 5 business days thru express mail. 3 hours later I received another email stating there was a hold placed on my account. On XX/XX/2020 I received email stating my account was closed. I don't know how because I closed the account on XX/XX/2020 and I also have the email that was sent to me stating I closed the account XX/XX/2020. I have been getting the run around about my money. Bank states I broke policy 9 which there's no policy to be broken in the section. The policy states that the bank reserves the right to keep any remaining balance thats {$1.00} or less left in the account. I have {>= $1,000,000} left in the account I closed. Well over the balance they allowed to keep. I have all emails that was sent to me at one point or another stating my check will be mailed out on this day. I have one email that says my check was being mailed out on XX/XX/2020. I also have email XX/XX/2020 that states I will receive my check within 3 to 5 business days. It all boils down to I was asked for documents, and those same documents I sent thru email to the bank. I did what was asked of me. It also states in section 9 that I must request that the remaining balance be sent to me. I did that as well and for no reason at all the bank still has my funds in there account. I have all emails I sent as well as all emails I received from the bank. All documents as well.
Consumer complaint received 2021-11-23
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: Experian Information Solutions Inc. (TX)

I have tried several attempts to resolve this matter with Experian XXXX by calling and sending certified letters. What more else can be done but to report to Congress, Attorney General Office, FTC my voice will be heard.
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (GA)

Hello I have been going back and forth with this company since XXXX I filled a complaint with cfpb in XX/XX/XXXX but never heard back till last week they sent an email that they have sold this debt to a company called XXXX XXXX XXXX XXXX XXXX I tried to contact this XXXX XXXX to tell them not to attempt to report anything on my credit for 2 reasons one is that i have disputed this with affirm from day one and that this has been going on since XXXX which is 8 years they said they still don't have this account i
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX PO Box XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response. 

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MD)

I was searching for a resort in XXXX on XXXX and was diverted. from XXXX to a site called XXXX. I booked a reservation through XXXX for a resort in XXXX for XX/XX/2020. But my flight was cancelled and the borders were closed so I asked XXXX for a refund. Submitted many tickets no response, their phone number is not working. I contacted the resort and resort did not receive any money from XXXX. I found an email for a parent company XXXX. They say their supplier is refusing a refund. There are multiple shell companies involved in this. I am out of {$1500.00}, I am part of a XXXX group of 500 plus consumers scammed by XXXX. One of our members is going to be interviewed by XXXX. I asked for chargeback from my credit card Chase Sapphire Reserve who denied chargeback. I did not receive the service ( resort stay ) so I should be entitle to a chargeback if the company is not responding. Chase has denied chargeback of {$1500.00} twice. Second time they did not even provide a reason.
Consumer complaint received 2021-07-24
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: EQUIFAX, INC. (FL)

I sent an offical letter of dispute on XX/XX/2021 and followed up with a complaint on the CFPB. XXXX  and Equifax did not respond and have not responsed in the given time frame and still the errors are present on my credit report.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid 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: Paypal Holdings, Inc (CA)

On XX/XX/XXXX. I placed and order on XXXX and ordered two gowns from XXXX XXXX XXXX  through the XXXX website I'm guessing XXXX XXXX XXXX  is a third party through the website well anyways I returned the two gowns for a refund and never got a refund I had to report this issue to PayPal since I payed with PayPal and PayPal sent me a temporary credit of the XXXX for the two gowns well now PayPal is siding up with the merchant XXXX XXXX XXXX and telling me I did not return the two items when infact I sent them the proof now I had to file and appeal with PayPal to let them now the two items are no longer in my possession and were sent back to the merchant on numerous purchased PayPal isn't helping me and I'm loseing out on money and I can't report it to the XXXX credit card company because of covid 19 nobody answers and I'm not able to dispute this charge online through the XXXX  XXXX website aswell so I had to dispute through PayPal and yet PayPal is still giving me a bad time