davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NY)

Hi, I received a letter ( attached ) in the mail from Sunrise Credit Services saying they are a debt collector and I owe them {$82.00} on behalf of XXXX  XXXX. I called XXXX and confirmed that I do not owe any debts ( also attached is a screenshot of {$0.00} balance ). The " account number '' ( XXXX ) Sunrise Credit Services provided on the letter isn't even accurate nor does it exist. I haven't used XXXX services in almost 2 years. 

When I was looking up the debt collector company Sunrise Credit Services, there were all these terrible reviews ( XXXX ) on XXXX about how it is a big scam, the debt is often false/incorrect, and what they are doing is illegal. I didn't want to engage or interact with Sunrise Credit because I didn't want to get pulled into a scam but I also don't want my credit score to be impacted. Could you please have Sunrise Credit Services remove this incorrect debt? 

Thank you.
Consumer complaint received 2024-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (WI)

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint I purchased an upgrade to my AMEX card based on the offer given to me, then AMEX did not honor the offer. 

In XX/XX/XXXX I received the attached offer to upgrade my AMEX Platinum card. I have been an AMEX member for +10 years, and my wife and XXXX daughters also have platinum cards. 
The offer was if I upgraded to the Delta Reserve SKYMILES Reserve Card and spent at least {$4000.00} over the next 6 months then I would receive a {$300.00} credit plus XXXX bonus miles. 
I called AMEX on XX/XX/XXXX and asked if a purchase I made over the prior weekend could count towards the {$4000.00} spending requirement to earn the promotion as offered. I was told that only purchases AFTER I selected the upgrade would count. On XX/XX/XXXX I called AMEX again, asked for the promotional offer, and upgraded the card. 

From XX/XX/XXXX to XX/XX/XXXX ( today ) I have spent over {$30000.00} on my AMEX card, which more that qualifies me for the offer. In fact, I exceeded the {$4000.00} requirement before XX/XX/XXXX. 

I began calling AMEX the week of XXXX XXXX to confirm that I had earned my promotion. Since that time I have spoken to numerous customer service people in the US and abroad, and supervisors int eh complaint resolution department. I was told that the {$300.00} credit had been applied to my account and that the XXXXXXXX XXXX were pending, but I never saw either transaction on my account. When I complained on this matter, I was told a customer service manager who could assist me would call me directly, and the call never occurred. So I would call back and the entire process would begin again with now resolution. 

Finally on XX/XX/XXXX I had had enough. I held on the phone for over 45 minutes until I could speak with XXXX, who said he was the senior resolution person who could handle my situation. He stated that I did not qualify for the offer and no credit or Sky Miles points were being given and that was the final position of AMEX. 

This is clearly bad business practices, and bait and switch to offer a false offer personalized to me in writing and then not offer the reward. I spent over {$160000.00} on my AMEX card last year, and I want the promotion I earned plus a formal apology from a senior member of the Corporation. 

Thank you
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I submitted a dispute regarding experian has failed to do a proper re-ingestigation into accounts they have continued to mark as Verified which is false. It is now 45 days or more since Experian has received the Dispute through the CFPB. I have been been trying to get them to correct and update the inaccurate information for a year now ... Experian stated in 30 days the Dispute would be finished but as you can see they have done nothing but waste my precious time... Please, suppress the information. Experian and the company are not in compliance and continue to violate my rights... They have as Neglected my important consumer report... If you do not Suppress or Delete within 5 days I am filing a Attorney General complaint. I will also Hire a consumer lawyer to raise the Issue in Federal Court. 

I have attached the previous CFPB report for supporting documentation ... 5 days thanks.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

1. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX XXXX XXXX XXXX XXXX  Update the payment status to paid as agreed They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-21
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: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2022 I applied on the navy Federal Application due to a promotion and was denied credit.

It is in violation of and should be monentary compensated 15 U.S.C. 1691 ( a ) ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program.

I am the creditor 15 U.S.C. 1691a ( e ) ( e ) The term " creditor '' means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against RentDebt Automated Collection for committing identity theft. I have never given RentDebt Automated Collection any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692 ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RentDebt Automated Collection can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not produced and RentDebt Automated Collection continues its collection efforts, I will file litigation for actual damages caused and RentDebt Automated Collection will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (OK)

I receive unwanted text from this company called " XXXX XXXX  '' every single day. I report it as junk and delete it. There is a suspicious link in the contact and it auto populates an account number when I click it. I have no idea who sunrise debt is I have no accounts with this company and would like the constant communication to stop
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2022-03-06
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. (MD)

Medical Bill from XXXX XXXX for {$270.00} - date of service is XX/XX/XXXX. 

XXXX XXXX did not bill both of my insurance providers- XXXX XXXX and Medicare, which caused a negative collection item on my credit reports. 

My XXXX XXXX ( XXXX ) coverage is through my wife 's employer at XXXX XXXX. The process is that XXXX XXXX or any provider should bill XXXX first ( since XXXX XXXX has more than $ 100K employees ) and once payment from XXXX is received, the provider needs to submit the amount XXXX paid and any remaining balance to XXXX for payment. 

XXXX XXXX did not follow the proper billing process in over a year since I sought treatment at XXXX XXXX in XX/XX/XXXX. I did not receive any bills or calls to collect payment from XXXX XXXX or XXXX until I called both of them in XXXX XXXX. 

So, I discovered that XXXX XXXX engaged a collection agency, XXXX XXXX XXXX ( XXXX ) to request payment for {$270.00}. I learned of this action in XX/XX/XXXX through a credit reporting alert from Experian. This bill for {$270.00} is showing as a negative, collection debt on my credit reports. 

I would like this item removed from all applicable credit reporting agencies immediately under my name as the provider, XXXX XXXX and XXXX, did not follow the appropriate billing procedures.
Consumer complaint received 2022-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (CA)

I received a mail offer from Mariner Finance. It was a live check for XXXX. I set up my account online and connected the account to my credit union XXXX XXXX XXXX XXXX. Their website was very buggy, that is -- - it didn't always work. I noticed the 1st payment came out XX/XX/XXXX already 15 days late but the electronic payment worked. Well the payment of XXXX was due on th XXXX. Next month I tried to pay on line again, and it appeared to go through. It did not " recognize or find my account '' even though I had completed an online payment. The payment never was returned so I did not know the haven't received the payment. They called and said make the payment you are late. I went back online and used the same account they had accepted before, to send them a Bank Check addressed to Mariner finance this was payable on XX/XX/XXXX. Later I found out that they only would accept cash ( debit card ) because of THIER website issues! I paid two payments on XX/XX/2022. 1 day after 30 days late which dropped my credit score XXXX points! They called and gave me hope that i could contest the late, but of course XXXX said it was correct. Please help me I am being punished for their payment issues, and they rejected my check! PLEASE HELP. Thank You
Consumer complaint received 2022-03-06
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: Resurgent Capital Services L.P. (CO)

its showing on my report that I have a debt collection with a company that brought a debt with XXXX XXXX Bank car loan, LVNV FUNDING is reporting that this debt was not paid, I called the company that manage this reporting and they could not find my account because it was paid off last year. I called XXXX XXXX about this and they sent a statement that the debt has been covered.
Consumer complaint received 2024-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TX)

XXXX XXXX turned my account over to zion collections after I paid them in full and cancelled my contract. Zion reported this to the credit bureaus which hurt my credit rating. I provided a copy of the transaction with the security company dated XX/XX/year> which shows a payment of XXXX. I also provided them a email from the company that states that this account was paid in full on that date and cancelled. The collection company still wants XXXX or they will not remove the item from collection. please help me fix this
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THESE ARE FRAUDULENT ACCOUNTS MY INFORMATION WAS RELEASED BECAUSE OF THE XXXX DATABREACH AS WELL AS MILLIONS OF AMERICANS IDENTITY BEING STOLEN FRIM THE XXXX XXXX BREACH AS WELL AS THE DARK WEB THE ACCOUNTS ARE NOT MINES AND I SHOULD NOT BE LIABLE FOR SUCH THINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/year>, I used the Bill Pay features of my Wells Fargo personal checking account to pay three bills as follows : 1 ) {$15000.00} to my wife 's XXXX XXXX account, XXXX ) {$9000.00} to my XXXX XXXX account, and XXXX ) {$87.00} to XXXX  for XXXX internet service. When I checked on the status of those payments, the Wells Fargo banking application showed both the {$9000.00} and {$87.00} payments being made to XXXX on the same day. I opened a complaint with Wells Fargo on XX/XX/XXXX, which the bank closed on XX/XX/XXXX stating that payments were made as directed. I contacted XXXX on XX/XX/XXXX and was told that they received and applied the {$87.00} payment but have no record of the {$9000.00} payment. XXXX XXXX has no record of the {$9000.00} payment either. I then called Wells Fargo to explain the above, and Wells Fargo opened a second matter to investigate. I was told today that the second matter was closed as it was a duplicate of the first instance, which the bank denied. 

Today ( less than a week before XXXX ), Wells Fargo has misappropriated {$9000.00} of our money and it really hurts.
Consumer complaint received 2022-10-13
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: Statebridge Company (CA)

My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Recently, I applied to refinance one of our properties and your name was listed with derogatory payment history. 
After calling your polite agent, she informed me that the account number XXXX was listed under my social security number ; last four digits XXXX with XXXX XXXX and XXXX XXXX as the account holders. I have a son XXXX but we live here in California. 
The address in question is XXXX XXXX XXXX in XXXXXXXX XXXX XXXX and the purchase price was {$580000.00}. I am notifying State Bridge of this fraud and would like to file a fraud case against this file, the people living at the address or anyone who was part of this transaction. I have never owned, applied or filed for a loan for that property or any property in New York or anywhere outside of California with State Bridge Company, LLC or any other company. 
What are my next steps? What are your procedures in handling this fraudulent account? I understand the loan was passed to XXXX XXXX in XXXX, so they are next on my list to contact. State Bridge, however, initiated the loan in XXXX of XXXX and so I am starting with that company as they are the responsible party of the initial fraud. I would like to know the loan officers name who authorized and approved the loan and what means of identification were used to obtain the loan? 
I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please contact as soon as possible as to your intentions. A police report has been filed in my city of XXXX, California. This has caused me hundreds of thousands of dollars in higher interest, insurance fees and denials of loans.
Consumer complaint received 2022-04-25
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. (IN)

XXXX XXXX credit card said i had late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX credit card said i had late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX the acct is in good standing and has been. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE A RIGHT TO PRIVACY 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT LATE ON CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON