davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (DE)

On XX/XX/2021, I was contacted by Sunrise Credit Services , Inc. regarding a fraudulent AT & T account that was re-opened without my knowledge or consent. In XXXX or XXXX of 2021, the mailing address was changed and the person ordered an XXXX XXXX and had it delivered to their house. The amounts owed were never collected from this person and, of course, it defaulted to me. Sunrise Credit Services eventually took over the debt from XXXX XXXX XXXX. Upon taking their call on XX/XX/XXXX, I then went to my local XXXX XXXX XXXX store to inquire about this account. I was notified that, indeed, someone had re-opened my account and charged {$1100.00} to the account for the phone and service. When I reached back to Sunrise Credit Services, I was told that a fraud packet would be mailed to me and my account would be on a " 30 day hold '' while their fraud department investigated. That was on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not received the fraud packet. Attempts to contact Sunrise Credit have met with consternation and vague answers to my questions. No one there has been able to explain why I have yet to receive the fraud packet and all conversations with supervisors have been fruitless. No one is ever able to connect me to anyone in their fraud department. Email versions of the fraud packet, apparently, do not exist in this company as they have not been able to provide me with one of those either. When I ask to speak to someone directly in their fraud department, I am consistently told that this was not possible. I feel like I have been scammed by this company, which now has my name, address and SS #. Any further attempts to reach out to Sunrise Credit Services have left me on hold for long periods of time or the supervisor had been " too busy '' to speak with me. I have also filed a police report for ID theft with the DE State Police ( complaint # XXXX ) and I have also contacted the XXXX  regarding Sunrise Credit Services ( complaint # XXXX ).
Consumer complaint received 2022-04-26
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. (OR)

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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The credit bureau and the collection companies have willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report. I sent the companies a 1692G ( b ) letter requesting specific information however they did not provide the information to me and instead they decided to willfully violate the Fair Debt Collection Practices Act. Thank you.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account ( s ) XXXX XXXX XXXX XXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy.

Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Consumer complaint received 2023-08-18
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. (MD)

I am doing a follow up notifying the Experian and XXXX that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Again, Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this items in my identity theft report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my XXXX Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : EXPERIAN : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KS)

I was enrolled in REPAYE prior to the end of the COVID-19 forbearance ( see documentation provided ). Instead of automatically moving my loans into the SAVE plan, MOHELA placed them in the Level plan ( see documentation provided ). I am now forced to pay {$2000.00} per month indefinitely until they convert me to the SAVE plan payment of {$520.00} per month. MOHELA has provided no timeline for when this change will take place. The MOHELA representative I spoke with today told me I am responsible for all payments until they can convert me to SAVE ( ie, correct their error ). MOHELA is stonewalling me, prohibiting my access to an income-based repayment program I was approved for and am currently eligible for. This is fraud.
Consumer complaint received 2023-02-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (NV)

They never gave me an application or loan number but they would have it under my SS # XXXX. I applied for a HELOC with US Bank a little over 90 days ago. They ran my credit. I gave them all the documentation they requested. I had a specific representative assigned to me for my contact through the process. Her name was XXXX XXXX. XXXX XXXX XXXX Mortgage Customer Specialist XXXX | XXXX. I was told via email that my credit income were all verified and everything was ready to go. They then sent their Certification of Revokable Trust Form that had numerous questions on it that had to be notarized by myself and my wife as we have revokable trust. I also had sent them the " certification of trust '' document from my trust as well. I am attorney for over 30 years. I understand the questions very clearly on US Bank 's " Certification of trust form. I filled it out four times, had it notarized four times. Three times the review team stated it was filled out " incorrectly. '' On the third time I requested that they point out what was wrong or at least the item number they were looking at. I was told, since this is legal document they can't tell me. I found to small errors on the first two which were inconsequential and not material I have no idea what was wrong on the third or fourth. I reviewed them several times before sending them back. They were property notarized, dated and signed correctly. The problem is every time I submitted the Trust Doc to them it took them ten to 14 days to get back to me that it was " incorrect '' but would not tell me what was incorrect so I could correct the issue, which for the life of me could not see an error. I was just told, ten days later after the fourth attempt the review team says it is still " incorrect. '' but refuse to point out to them what is incorrect. They have now closed their filed denied the loan because it has " timed out '' over 90 days. The delay was caused by their delay, and REFUSAL to simply let me know what was incorrect or what item they were concerned about. Without telling me what they thought was " incorrect '' I can't fix it when everything is correct when I look at it. I gave them every document they asked for. I was approved and the trust document was the ONLY hangup but would not tell me what was " incorrect '' so the application timed out.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00}XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$1200.00}
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC. (MO)

I contacted the Bank a couple of weeks ago in regards to some overdraft fees I had received. The first XXXX fee occured XX/XX/XXXX and the next occured on XX/XX/XXXX. During our conversation I asked if these could be refunded to the account, as I was in the middle of transitioning jobs and had mistakenly not accounted for all of the bills I had coming through. The agent I spoke with placed me on a brief hold and returned to say that I had already used my free refunds. I responded by saying that I have never had an overdraft fee for the life of this account, and asked how I could have already used a free refund? She essentially told me that a refund was not available for me. 

My complaint is this ; based on my conversation with the agent, I believe I was treated differently than other customers. As she indicated, they offer " free refunds '' to some customers, which begs the question, why am I not included in this group of customers? Is it because I live in a Low to moderate income neighborhood? Because I am not affluent?
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc (WI)

The Best Services Company ( henceforth referred to as TBSC ) attempted to collect a debt that where no debt validity was ever sent. TBSC claims a validity letter was sent on XXXX What they fail to disclose is when it was allegedly sent to my old address in XXXXXXXX XXXX. We moved to XXXX, XXXX XXXX miles away. in XXXX of XXXX XXXX  then sent a letter explaining the account would be reported. Once again, not to the correct address and to an address we had not lived at for 6 months. TBSC cajoled and bullied me into paying a debt, as the dispute period had already ended. I never once claimed ownership of the debt, but paid it in full on XX/XX/XXXX. I did not know my rights, and would have immediately requested a debt validation letter at the time If I had known. I have since requested two of them, which TBSC says in their response in writing that they ignored. FCRA DOES NOT require reporting a paid debt. This is a practice that TBSC takes great pride in doing, valid or not. I moved cross country and was taken advantage of, the least TBSC company could do is remove the collection, one of my only negative credit marks. 

What is lost in the information avalanche is that I paid on a debt that was not valid, and am now sentenced to 7 years of a negative mark that should never have been in the first place. This is disingenuous, lazy and misleading. All I ask is that they remove the report, the rest is water under the bridge. At the time of this complaint this has been marring my record for 4 years, 9 months, 10 days Calls to this company have related in the customer representative repeatedly feigning to understand what is being asked and answering questions about queries that are not being asked repeatedly before disconnecting the call.
Consumer complaint received 2022-10-26
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. (VA)

I want an investigation with XXXX XXXX as their seems to be an hard inquiry on my credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX XXXX The date I filed bankruptcy was XX/XX/2022.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I abhor this! I've sent complaints and sent disputes for months, but I've seen no response to my complaints. I'm being hurt and under a lot of stress as a result of this.
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NRA Group, LLC (AL)

Received call from National Recovery Agency stating I owed a debt. This was not the first call from this company. I returned the call and they demanded I provide them with information including social security number and other personal data. I have tried to cooperate to keep them from calling again but they continue to harass me, ask me whether I know people they name, and can not verify I owe any debt. They appear to be evil and are just trying to collect personal information. I had previously asked them not to call me and they have ignored my request.
Consumer complaint received 2022-11-19
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX 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 XXXXXXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Companies : XXXX and XXXX Wells Fargo XXXX : XXXX XXXX Loan XXXX Wells Fargo Home Equity loan # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : XXXX shows {$10000.00} and XXXX shows {$10000.00}. 

Contacted Wells Fargo on XX/XX/XXXX, and was told they submitted information to credit bureau on XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, XXXX representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled to.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I am filing a complaint against XXXX bank ( now Huntington National Bank ). I called customer service to request to close my checking account on XX/XX/2021. At the time, I have a remaining balance of {$1100.00}. The representative helped me deactivate my debit card and told me the closure will be processed within XXXX business days and the remaining balance will be mailed in check. But I never receive the check. 

I called again on XX/XX/2021. The representative confirmed that she can see my account closure and requested me to call back in XXXX because the policy of re-issuing checks is 3 months after the original check was issued. 

I called again on XX/XX/2021. The representative asked to me go to the local branch with my ID. 

I went to the branch on XX/XX/2021 at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The agent said the balance at account closure is {$0.00} and there are no transactions in their system because they delete everything 2 months after account closure ( but I was asked to wait for 3 months for reissuing a check ). The agent is very rude. She told me they never close accounts through phone ( how come I know it if the first rep did not tell me this information? ) and blame me it is my responsibility not to keep track of the money ( I did everything I can do for this based on customer service 's instruction, and also followed up through phone twice, XXXX minutes for the first call and XXXX minutes for the second call ). She told me they will request the backend team to look into it and get back to me within a week. But I did not hear any back for the past week. 

I am attaching the last statement saved on my computer before the account closure for more account information.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (CA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CHRYSLER CAPITAL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY