davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc. (CA)

I have reached out to TOMO boost and as well and the 3 credit reports and going back and forth for validation. I applied for Tomo Boost have yet to see it reporting on all 3 bureaus.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (NV)

First Progress closed my secured card account without giving me a reason, and says they sent my deposit in a check, but 3 months later, I have not received anything from them.

I have called to inquire about my refund, and am told I will have to fax in proof that I did not receive the check.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts.
Consumer complaint received 2024-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

theres 10 unauthorized hard inquiries on my credit report & I would like them to go ahead have them removed immediately the following companies are : XXXX XXXX XXXX CAP ONE NA CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (GA)

The amount of escrow on the home jumped, but my payment wasn't adjusted. I paid principal and interest every month but the escrow portion was short. Fay Servicing started counting the mortgage late since payment was short, charging late fees, and eventually stopped allowing access to my account online and stopped sending monthly statements. 


When I would call, they would not be able to provide specific information as to an amount to catch up the account. I can't submit payment online or see anything there either. Never did they offer or suggest the possibility of deferrement of penalties or interest. I asked for wiring information so I can send what I imagine is more than sufficient to catch up, but I can't get that either thus far. Two weeks ago I also sent a large check to catch it up, and I've not heard anything back. 

I see online that this issue has happened to hundreds of people. I hope CFPB can help.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX closed out my credit card with Walmart as I received a letter dated XX/XX/XXXX18 which I received on XX/XX/XXXX18 stating the account has been closed and the decision was based in part on a scoring system that was used to predict creditworthiness and it indicates scoring system and list, 5 characteristics where I did not score well. I have paid my credit card each month on the due date, with maybe one late payment and I also paid my account within the last 30 days to a zero balance. I have not had any contact from Walmart or XXXX XXXX   concerning this situation until now but when I paid my balance to XXXX  to show i am paying my account down and showing responsibility and also creating less debt for myself then they come up with there decision to close my credit card account. I have never experienced this before. XXXXXXXX XXXX and Walmart have very unfair practices. As a dedicated Walmart consumer i am very displeased with this practice.
Consumer complaint received 2023-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2022 XXXX inquiries that all fall under permissible use 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Finance XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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. (FL)

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (TX)

My account XXXX was blocked in XXXX XXXX .I have attempted to have the block removed by providing proof of Identity .I have even tried to go into an ace check cashing store with a valid Id and have been unsuccessful. They have requested Id, proof of residence, and a social security card. I have submitted all within requested and have still been refused access to the funds that have been direct deposited from SSI. I am asking for help to have then release my money remove this block.
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MD)

I am currently employed but looking for other employment. I pulled my own credit after a XXXX XXXX notified me that there was a collections on my report. After seeing the collections account, I reached out to Sunrise Credit to inquire about the account. I asked that they send the debt validation to me which they said they would do. However, they put the collections account on my credit before they sent the debt validation because they said the debt validation could take up to 30 days. This is my first issue. 

What's more, I went into a locaXXXX XXXX XXXX XXXX XXXX  and cancelled my services with them in XXXX XXXX XXXX  I paid off my installments for XXXX phones, received my transfer pins and paid my current bill. I went to XXXX XXXX the same day and activated the phones and watch. I received what was supposed to be my final XXXX XXXX XXXX XXXX  in XX/XX/XXXX. 

I learned, after speaking with XXXX XXXX XXXX last week, that the representative that help me cancel my services at XXXX XXXX XXXX did not cancel my XXXX XXXX at the time. XXXX XXXX XXXX charged me {$75.00} per month for XXXX months until the service was cancelled by XXXX XXXX XXXX. Again, I had NO idea this was the case because I was paying for that same watch at XXXX with my other devices. XXXX XXXX XXXX changed my rate for the XXXX XXXX from $ XXXX month when I had service to $ XXXX month, after I cancelled my services. 

Sunrise was very rude and disrespectful about the whole ordeal not realizing that I should have never been charged in the first place. After I told them I have a clearance and collections are a security infraction, they told me it was nothing they could do and it Is going to stay on my credit report. I tried to express how wrong this was and how it's putting my livelihood in jeopardy and all they told me was that they have had the account since XXXX. However, if a bill was sent out I did not receive it because I have moved and I have a new email address since being hacked last year. 

I reached out to the local XXXX XXXX XXXX where I cancelled services, I reached out to XXXX XXXX XXXX XXXXustomer service and I reached out to Sunrise and no one is listening or agreeing to remove this collections. When I reached out to XXXX XXXX XXXX customer service, I asked if I could pay for removal. They did credit the account {$100.00} but that was all they could do. I paid the balance to XXXX XXXX XXXX on XX/XX/XXXX. Yet, I was told that they could not remove the account despite it not being my fault and they will not consider crediting the money back that I paid even after agreeing that this was not my error.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted 6 requests to Experian to update my address and remove any others listed as they are incorrect. On XX/XX/2020, I sent my first request and Experian responded as deleted all except the current address. However, when I pulled my credit report on XX/XX/2020, they had not been removed. I subsequently sent letters requesting incorrect address deletion on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020, and my request still has not been updated again to reflect my correct and current address information.
Consumer complaint received 2023-07-29
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. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (CA)

Background for job. First Advantage told employer I did not work at XXXX XXXX XXXX and did NOT do an accurate and thorough investigation. 

Enclosed is my contract for XXXX XXXX XXXX and First Advantage report saying I didnt work there.
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I submitted a complaint regarding negligent misrepresentation of the handling of my student loan. Nelnet has a bad reputation for non-disclosure and have also been involved in a data breach litigation as a result of unauthorized access to student loan borrowers ' personal information, including social security numbers. Nelnet has also failed to appropriately communicate with me about renewing XXXX XXXX XXXX XXXX. Each time, it was initiated by the consumer to learn more about it. 

The transfer from Great Lakes to Nelnet is part of an aquisition where NelNet agreed to purchase Great Lakes Educational Loan Services for {$150.00} XXXX. The holder of the promissory note is the holder in due course and is liable for the repayment of this alleged debt. Not the consumer. 

Great Lakes and Nelnet are in violation of breach of contract, negligence, false reporting, extorsion, for selling the contract and misrepresenting the facts of the matter. The CRA 's are in violation as well for not validating and verifying the account without proper account level documentation. 

Failure to follow procedures by the FCRA has brought great stress during my XXXX and I will sue for maximum amount allowed according to the laws that govern. 


Please delete this account from my credit profile. 

I demand relief in the amount of {$5000.00} USD and I am providing the parties involved the opportunity to cure. 
I do not owe this debt.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (MD)

It is showing negative standings from the years XXXX on my XXXX and XXXX credit report but on XXXX XXXX it stands positive and does not reflect anything negative from those years. All of my payments are up to date
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OR)

I had XXXX XXXX  in fraudulent charges on my account. It overdrafts and I haven't been able to work since, I own a small plumbing business and can't work, get gas or even groceries for my XXXX kids. I could lose EVERYTHING OVER THIS. KEY BANK won't help at all and says it could take 90 days to get tge funds returned. I need HELP
Consumer complaint received 2023-04-27
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/1997 Balance {$99000.00}
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Affiants ' personally identifiable information has continued to be trafficked by third parties without consent or copyright license through an organized criminal scheme aimed at depriving liberty under the XXXX of law. XXXX has been impacted by this scheme in a new manner : through companies engaging in impersonation and unlawful conversion for extortionate extension of credit by infringing upon copyright laws for the purposes ofXX/XX/XXXX. 

These companies falsely portray themselves as lenders, when in fact they are unlawfully extending credit using the affiants ' own credit, while keeping the par gold spot rate value, by deception and without disclosure. They engage in copyright infringement by exploiting affiants ' copyright-protected indigenous property for their own financial gain, a form of modern slavery. 

In these actions, they knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright-protected indigenous property. This constitutes a flagrant infringement upon XXXX 's exclusive rights as a copyright holder, protected under the XXXX XXXX 's copyright registration XXXX, with the XXXX accession XXXX.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

We received a letter from Citizens Bank stating that two accounts ( which we did not open ) were being closed and we should immediately stop writing checks against these accounts. When we called Citizens, someone had opened up a checking and savings account in my name, using my address and ss #.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My personal information has been exposed as a result of several data breaches. XXXX, Eqifax, and XXXX is reporting inaccurate information on my credit report - the following addresses should be removed : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX, XXXX GA, XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX. XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX  NJ XXXX, XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX. XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX. I am requesting that all versions of these addresses be removed from myconsumer credit report. As well as the inaccurate Social security number listed ending in XXXX I am requesting that you remove XXXX and XXXX from all 3 credit bureaus as this is inaccurate information as well
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (FL)

Hello, i mailed experian a letter a few months back regarding the accuracy of my credit report. I have an address well there are two variations of the address and im asking for a removal of the address from the credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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. (NJ)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-02-07
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. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (GA)

My credit report shows an unpaid charges on a closed credit card account which did not belong to me. It also shows address and phone number listed on my report that I dont recognize.

This negative report reflected my credit score and also new application.
Consumer complaint received 2024-04-09
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. (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 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.