davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Gemini Direct LLC, dba Credit Innovation Group (TX)

I had Hired them to help clean up my credit reports, after paying them {$560.00} over the last XXXX  days. I keep very close eye on my credit reports and they have done nothing other than get an account removed in good standings, So i contacted them to cancel my service and all i get is the run around tell me they wont cancel until i pay the another {$120.00} for services they did not do. 



My email to Them XXXX, As of this moment your services is canceled, i keep very close eye on my credit reports and yall have not done anything on it. I have gotten more done in XXXX  days than yall have in XXXX  days. STOP MY SERVICES IMMEDIELTY. 

His Email I would need you to call us to cancel. 
-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, UT XXXX XXXX XXXX Credit Innovation Group ( XXXX ) XXXX email : XXXX XXXX I have already called them and they said the will not cancel until i pay them
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

I opened my Synchrony Lowes credit card account with APR of 26.99 % on XX/XX/XXXX. Benefit of the card was a 5 % discount on all purchases. 
I always paid in full balance by due date. 

On XX/XX/XXXX, I received notice from Synchrony Lowes credit card that changes in account terms would take effect on XX/XX/XXXX. I was provided right to reject the changes, other than to APR, however if I did so, I would not be able to use my account for new transactions. Changes included : APR for purchases 31.99 %, penalty APR and when it applies 36.99 % if I made a late payment, returned payment fee of {$41.00}. A {$1.00} monthly paper statement fee. 

I called the number provided to reject and had to close the account on XX/XX/XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (SD)

Nelnet.studentaid.gov will not load information. Ever. I receive countless emails telling me to log in to my account to check the status of my student loans and read communications however every single time I try to login the error I receive is. 

" This page isnt working XXXX is currently unable to handle this request HTTP ERROR XXXX '' If the student loan processor can not handle the amount of borrowers it receives it should be disallowed to continue being a loan processor. 

At this time I've tried to log in to the account no less than XXXX per day for the last XXXX weeks. I've been unable to read any communications with the loan servicer for over a month. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX {$5400.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$840.00} XXXX XX/XX/XXXX {$4300.00} XXXX XX/XX/XXXX {$1400.00}
Consumer complaint received 2024-07-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

XXXX XXXX a collection notice was received to mine and my family members regarding a debt that is invalid. Started a year to year lease XX/XX/XXXX & expires XX/XX/XXXX & went Month to Month thru XX/XX/XXXX. A year later I received a collection amount for {$3500.00} for an early termination. I NEVER renewed nor signed for a XXXX  month lease, therefore, it automatically renews to a Month to Month Lease. The actions of XXXX XXXX XXXX is now resulting in negative consequences in the purchase of a home and negative credit information. I have repeatedly made phone calls to XXXX XXXX the property manger at said apartments to no avail in resolution to this matter. He repeatedly stated that " No one in his office will take accountability to wrong doing '' I have asked serveral times for XXXX XXXX XXXX to show me a signed XXXX  month lease for XXXX and he also stated he does not have one and the only thing for me to do is dispute it with the credit bureaus.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy 15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 2023-04-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC (FL)

I Bought a property in Florida in 2017 but not too long after that I paid it off in less than 3 years, I guess the finance company didnt expect me to make that decision so Quick, Cuz they were the Second Mortgage company who took over the first Deal, so after probably 3 or 4 months I get Contacted by a creditor asking me for money & I told them that Mortgage has been paid off a long time ago.., I Didnt hear from nobody for another 3 Months, all of over the sudden a different creditor called me, saying the same things, Now I have asked this one proof of the First Mortgage contract & all the payments History Ive made. Just like that I didnt Hear from anyone, until a year later, So I ask them the same thing, but they never provided me ANYTHING. Now Ive seen them report me to the Credit Bureau & that affected me big time and I wanted it to be remove..
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect DOB : XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged 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 XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-08-03
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. (MI)

account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am writing to bring to your attention a pressing matter that requires your urgent assistance. Several accounts listed on my credit report are inaccurate and have been negatively impacting my creditworthiness. Despite my best efforts, I have been disputing these inaccuracies by mail since XXXX, but to my dismay, the issue remains unresolved as we now find ourselves in XXXX. 
The presence of these inaccurate accounts has had severe consequences on my financial standing, affecting my ability to secure loans, obtain favorable interest rates, and even impacting my job prospects. I firmly believe that these errors are causing undue distress and are not reflective of my true credit history. 
Throughout the past several months, I have diligently followed the necessary dispute procedures and provided all relevant documentation to substantiate my claims. However, it seems that my efforts have not yielded the desired outcomes, leaving me frustrated and discouraged. 
I kindly request the CFPB 's intervention to expedite the removal of these erroneous accounts from my credit report. I have retained meticulous records of my correspondence and can furnish any additional information you might require to facilitate the investigation process. 
Your support in resolving this matter would be immensely appreciated, as I am eager to restore the accuracy and integrity of my credit report promptly. Please let me know if there are any further steps or documentation I should provide to expedite the resolution process. 
Thank you for your attention to this critical matter, and I eagerly await your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting 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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account : XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (UT)

Was working with a debit consolidation company and my Mortgage company. When we noticed a debt and a company name we did not have before or recognize. Upon calling the company in question they did verify they had a debt with us but no further information was given or offered as to. Why or other reasons.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (NV)

I have 3 inquiries on my credit report that I did not authorize, I do not have a connected account, and I did not apply for any products with these companies. These items are as follows : XXXX XXXX XXXX  XXXX XXXX, XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXXInquiry I have no credit cards , credit lines, Automobile loans, or any association with these inquiries. 
I am writing to demand the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609. 

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX-Inquiry XXXX XXXX XXXXe-XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXInquiry As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

My mortgage account was transferred from Mr. Cooper Powered by XXXXXXXX to Mr. Cooper. In the transition, the automatic withdrawl has stopped. I was not informed of my new loan number and I can not reach a human being. The phone bot keeps me loops and will not connect to a human being. Other automated features can not resolve my problem, so I need to speak to a representative to resolve the transition problem. Since Mr. Cooper will not allow me to speak with a person, I can not make my payments to my mortgage.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/24 I was booking a flight on XXXX XXXX 's website, and there was a promotion if you open an American Express, you will receive a {$400.00} credit. I opened the credit card, charged my flight for {$870.00} and never received the the {$400.00} credit. I contacted them three times because I never received the credit. Today, XX/XX/24, after contacting them again, I was told I would not receive the credit, and the reason given was they were afraid I would close the credit card after receiving the credit.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX [ Date ] Aldous and Associates XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to dispute an account listed on my credit report by your organization. I have previously disputed this account, yet it still appears on my credit report. This account is fraudulent and the result of identity theft. 

Please find attached a copy of my original identity theft report for your reference. As mandated by the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

Below are the details of the fraudulent account for your reference : Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX I appreciate your prompt attention to this matter. Please confirm in writing that you have removed the fraudulent account from my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX