davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
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)

My checking account was accessed fraudulently and thousands of dollars of unauthorized withdrawals were taken from my account not once but twice. TD Bank was informed of the first episode of theft and allowed it to happen again, six days later. How does TD Bank allow unauthorized withdrawals from an ATM of over {$2000.00} per day when the limit of an ATM withdrawal is set at {$500.00}. 

TD Bank was neglectful in not locking the account once they were alerted to the initial fraud activity on the account. I suspect an inside job as TD bank seems to have no systems in place to protect the consumer from fraud. 

I have been a TD Bank customer for over 10 years with TD Bank, live at the same address but yet TD Bank systems allowed someone to request a debit card to be sent to a different address and withdraw monies from my account. 
I received no alert as to the request of an ATM card, nor any inquiry as to whether I had changed my address. Also, to allow fraud to occur twice after being informed their whole Fraud department is a sham.
Consumer complaint received 2022-06-14
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. (MD)

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX USA 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 2018-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (KS)

I have reached out to XXXX XXXX to validate this debt and I was told that there is not any debt owed to them in the amount of {$1100.00}, I have requested that National Credit Systems validates this debt and they have not done so. I am requesting that collection ceases for a debt that is not owed and removed from all three credit buearu 's.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TN)

Date of Installation : ( at current address ) XX/XX/XXXX XXXX Number : XXXX ( which is supposed to be closed due to a change of address ) XXXX ( my current account that they gave me after the move ) The money I paid XXXX : $ XXXX ( for service ) {$1000.00} ( for equipment ) {$0.00} balance due as of XX/XX/XXXX ( see attached ) XXXX has been harassing me for {$500.00} for an account that is supposed to be closed. I have called them multiple times about the matter, and they have been no help to me, because they keep lying to me over the phone stating that the account is closed and wiped. 
I even showed them proof that I sold the house and no longer lived at XXXX XXXX XXXX, and I also attached the closing disclosure of the house to show proof that I'm no longer at that residence. No matter how many times I call them and tell them that I don't owe them money on a account that is supposed to be closed, they still don't hold up on their end and close the account, they just keep charging it. Now they have sent a total of {$710.00} to a debt collector, Sequium Assets Solutions, LLC, which is detrimental to my credit score, because it looks like a delinquent that doesn't pay my bills. I have attached a full story of the mayhem XXXX is putting me through in a file named : XXXX XXXX XXXX XXXX  Claim ', and you are free to post it on your site as a complaint as well. 
I can also give any further information needed to rectify this situation.
Consumer complaint received 2022-06-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (TX)

Department Of EducationXXXX Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Nebraska XXXX XXXX To : The Office of Registered Agent forNelnet XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority torepresentthat you andNelnet XXXX XXXX XXXX LLCareauthorized to administrate ( acting trustee ) on theXXXX XXXX XXXX XXXX together with a certified copies of signatures contract betweenyou andXXXX XXXX XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passingXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon theXXXX XXXX XXXX, Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806.Harassment and abuse 807.False or misleading representations 808.Unfair practices 809.Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX  You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages.Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I have contact Equifax on XXXX XXXX regarding some Inquires that are not mines. I have sent a FTC report as well regarding these unauthorized inquiries. The Inquiries are listed below. 

XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (SC)

PMAB KEEPS SENDING LETTERS ABOUT A BILL THAT IVE ALREADY SPOKEN TO SOMEONE ABOUT AND IM FEED UP MY HEALTH IS AND ISNT HEALTHY ENOUGH FOR ALL THIS AGGRAVATION AND I ASKED THEM TO STOP
Consumer complaint received 2022-02-11
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

Nationstar Mortgage LLC D/B/A Champion Mortgage Company file suite XXXX in XXXX XXXX on a reverse mortgage XXXX never took on a property I never owned on a mortgage I never signed. 
The law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Fl. 
The demanding I pay or file a response with the court. 
Filing date XXXX2022 amount is XXXX I have contacted a lawyer. 
This is not my obligation it is not my debt. 
I also understand reverse mortgage are not the responsibility of any heirs.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/2018 I attempted multiple times to make a payment online on my XXXX XXXX  ( issued by XXXX XXXX   ). The date field of the payment was blank with no ability to select a date or type in a date for the payment. I tried multiple browsers including XXXX XXXX XXXX XXXX and XXXX. All had the same issue.

I suspect the date field is blank because my account hasn't cycled yet, indicating the bank is intentionally preventing me from making an " early '' payment on my account, which, of course, is illegal.

The chat feature was not available, email was not available and I was told that I couldn't make a payment by phone from my attached PayPal account ( the way I've always done in the past ). I finally had to make the payment by phone from my checking account, forcing me to reveal my bank 's routing number and account number to a customer service representative.
Consumer complaint received 2018-10-11
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)

Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. (OR)

I am very angry with the credit bureaus. I have sent them many letters and they do not give me an answer. I feel like they don't take my case seriously.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MO)

I was living at XXXX XXXX XXXX in XXXX. I lived at the apartment complex for two years. The department manager filed an illegal claim against me due to racism, and for a compliant I filed a complaint with HUD against the maintenance man. 
Later XXXX XXXX file an illegal claim for rent and possession. I did not owe rent. I was not late, and the apartment manager told me that she was going to file this claim against me, and would not post my rental payment to my account. 
XXXX XXXX lawyer file an illegal claim for rent and possession. The court granted XXXX XXXX possession, but they got a XXXX money judgment. I was not served properly, and XXXX XXXX submitted a false affidavit that I waived my rights during the pandemic. 
I was checking my credit scores when I found that they use a company NATIONAL CREDIT SYSTEMS and put this on XXXX XXXX credit report. My credit scores went down XXXX points.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (NJ)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, nor did I validate any lat payments. Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, nor did I validate any lat payments. Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I paid my XXXX credit card down. On XX/XX/2022, the credit bureau reported an incorrect balance. I have tried to make contact to dispute this information and have been unsuccessful. I am requesting an investigation. I would like the correct balance to be corrected and updated to my report immediately.
Consumer complaint received 2019-03-23
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I did purchase from XXXX online store for {$1100.00} and I requested signature on my package or hold the package on the carrier location and after I finished my work, I will pick it up but XXXX ignore my request and delivered the package without my signature so I called them and they told me they will send a replacement and on that time they confirmed to me that they will do a signature required or hold it on the carrier location but again I didnt receive the package so I called XXXX again and I asked them that I dont like to order it online and I need the full refund. 
They told me that they will do an investigation with the carrier and they send me an updates to my email after they finished their investigation. 
I got an email from XXXX stated that My refund is being processed and I already received the refund on my chase credit card on XX/XX/XXXX. 
On XX/XX/XXXX I saw on my Chase credit card another charge for the same amount {$1100.00} so I called chase customer service to ask them to give me a credit for {$1100.00} because its duplicated so they gave me a credit for that amount on XX/XX/XXXX. 
On XX/XX/XXXX I saw a charge of {$1100.00} ( chase described this charge as an adjustment that made on XX/XX/XXXX however I didnt receive any adjustment on XX/XX/XXXX from chase I only received the refund from the XXXX ) again on my chase credit card so I called chase customer service and they told me that an error and they give me a credit again on XX/XX/XXXX On XX/XX/XXXX Chase charged my credit card again for {$1100.00} and I was trying to solve it but they refused to help me and they refused to open for me a dispute claim so I am feeling its a discrimination against XXXX. 
So please I need your help to get the full amount of the refund of {$1100.00}. 
Thank you
Consumer complaint received 2019-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have paid this account in full and when I tried to dispute it the credit buerus recommend that I contact XXXX XXXX. I called them at XXXX and spoke with XXXX # XXXX. He then informed me that card was under the last name XXXX which is not name. I asked him can I have the number to the collection agency and he stated that number is not linked to my account.
Consumer complaint received 2022-10-19
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX  has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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. XXXX XXXX. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

To CFPB, I have tried many times to get Equifax to correct inaccurate information on my report, as you know I suffer from XXXX  and have been in and out of the hospital many times and i have notice that over the last 60 days my credit score went from XXXX down to XXXX yet there has been no adverse things going on in my financial situation and any one knows that a persons score does not just go down that many points for no reason you know it and I know it. I think its time to re investigate Equifax for law breaking practices as they have done similar things like this in the past to try to sell the consumer products regarding their credit score, I don't have time or the health right not to continue to deal with this therefore, I ask you to do an investigation into this matter.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (WA)

I graduated from XXXX XXXXXXXX XXXX XXXX in the year 2000. I borrowed XXXX XXXX XXXX, obtained by filing a XXXX application, for each of the XXXX years I attended. After graduation I consolidated the XXXX loans through XXXX totaling about {$17000.00} in debt that I was to pay back. In the years since, I have payed when I could afford to, but given that every major life change has been met with a recession, sometimes I just couldnt afford to. Ive probably paid back around {$20000.00} in the last two decades, but after going through XXXX defaults and subsequent rehabilitations, I currently owe more than {$65000.00}. After starting with XXXX XXXX my loan went to XXXX, who kept me in deferment for most of a decade. They recently sent me a check for a nominal amount of money as a pay out for a class action lawsuit brought against them for that practice. After my last rehabilitation my debt was moved to Nelnet. Somewhere in all of that my debt became reclassified as private despite still being listed on Studentaid.gov as an XXXX loan. 

Nelnet has insisted I pay and charged me interest throughout Covid, insisting that my debt is private and therefore not covered under Covid relief. When I complained, Nelnet relieved me of a couple of months worth of interest and past due payments, but immediately started sending me bills expecting me to pay despite the relief included in Covid relief. When I insisted that my debt was public, they refused to work with me. I put in a complaint with Studentaid.gov, but all that was done was to check with my debt holder and believe them instead of me. Feeling helpless, I hired a lawyer through XXXX, XXXX, XXXX XXXX law firm who had me fill out a form to reconsolidate my debt as public and have it transferred from XXXX to XXXX. Despite paying a retainer of around {$1000.00}, as best I can ascertain, none of these forms were ever filed with the respective institutions. Each time Ive reached out to the lawyer I hired through that firm, Im told they will check about the forms and get back to me. I then get a bill for contacting them but never hear back.

I will apply for the current loan forgiveness, but as my debt is erroneously listed as private, Im sure to be denied any further relief just as I didnt get any Covid relief. I am reaching out and telling you this story because none of the systems in place to protect me are working. Without more thorough and effectual relief this debt burden will continue to grow, holding me back in life, and any further relief offered by the federal government will continue to be denied to me.