davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

The options didnt really didnt fit but I DONT FEEL I OWE THE DEBT. I purchased an XXXX from XXXX XXXX XXXX. For over 20 years weve always had an upgrade contract where we could replace & upgrade our phones in 18-24 months. ALWAYS!! Under my deceased husbands name then mine. When I purchased this phone I went straight home, plugged it in & it showed liquid in the charging port error & wouldnt charge. I went right back to the store, they couldnt duplicate the problem so they said it must be my cord. I bought a new cord. Periodically I had that issue. Ive had nothing but problems with this phone. I bought the extended warranty on the phone, I cant use the speaker because people cant understand me, it cuts out, XXXX support test trouble, I took it to the XXXX XXXX, they supposedly repaired it, left the store & it did the same thing. I was having XXXX  XXXX I needed my phone so I went back in and spoke with a supervisor, they tested it and claimed it was a provider problem. I went to the XXXX XXXX XXXX store & they laughed. After a XXXX hour XXXX where I had little use of my phone because of limited motion we tried again to get it fixed, still under warranty & with an extended warranty and since they dont test trouble they wont fix it even though they hear it. Not only that my calls have always cut off, Ive had charging issues, calls cut off, and trouble with getting the touch pad!! This was a bad phone from day 1 and if they would have exchanged it when I took it back an hour after I bought it I would have a reliable phone. So, I thought Ill stick it out until I can replace it when my upgrade period is in effect. WRONG. The representative that did my contract did not do what I asked for and did not give me the upgrade option for the first time since Ive had AT & T cell service. I think that is their fault because they should have replaced the obvious defective phone when I took it back & written the contract the way I requested. I will continue to dispute this because I still dont have a reliable phone, Im an almost XXXX year old XXXX woman that I feel they took advantage off and I think they gave me a defective phone to get it out of their inventory! 
Once this negative remark hit my credit report, one of my credit card companies lowered my credit limit on XXXX of my cards even though I pay them and all of my cards much more than the minimum monthly payments.
Consumer complaint received 2017-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent transUnion certified letters staring on XXXX/XXXX/2017 and XXXX/XXXX/2017 about inquiries that are unauthorized and on my report, Transunion hasnt disputed them or deleated them inwhich they are not going by the law ... these are the unauthorized inquiries that must be removed from my report ... XXXX2017 ... XXXX2017 ... XXXX XXXXXXXX/2017 ... XXXX2017 ... ... XXXX XXXX.XX/XX/2017
Consumer complaint received 2017-06-29
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. (CA)

I demand to verify or remove them immediately :  XXXX   XXXX  -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : I have never paid late this account Beside that, my personal information is reported incorrect, please fix it My address is  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  CA  XXXX
Consumer complaint received 2017-06-29
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. (HI)

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX - XXXXXXXX : Unverified account XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified information
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Please note : this is a revised complaint, not a duplicate. Do not delete or close. The credit card company objected in their response to the original complaint that I permitted my spouse to view the correspondence. Chase deemed him an " unauthorized third party. '' While that is not true, I am amending the complaint to remove him from the notifications so that the investigation can proceed. 

Dear Sir or Madam : I am writing to report fraudulent credit card activity involving multiple charges to XXXX XXXX on two separate credit cards. This scam has been reported on the Internet since at least XX/XX/XXXX ( do a XXXX search for XXXX XXXX XXXX XXXX CA ). My concern is that this scam represents a major and ongoing fraudulent source of revenue to XXXX XXXX, and a continuing threat to consumers. On XX/XX/XXXX, the first fraudulent charge appeared in the amount of {$7.00} to XXXX XXXX XXXX XXXX CA on my XXXX XXXX XXXX , which was associated with my XXXX account. I disputed the charge with XXXX ; XXXX required that I close and reopen my account with a new card number. I opened a new Chase XXXX and associated it with my XXXX account, replacing the XXXX card. I am the only authorized user. In the first month, new fraudulent charges appeared in the amounts of {$22.00} on XX/XX/XXXX and {$12.00} on XX/XX/XXXX. Again, these charges were listed as XXXX XXXX XXXX XXXX CA. A further charge for {$12.00} appeared on XX/XX/XXXX. Upon contacting Chase for assistance, I had to close and reopen the Chase XXXX card. Be assured that I did NOT provide the latest credit card information to XXXX. When I contacted XXXX by email, I received a major run-around, consisting of multiple rounds of correspondence and escalation to a senior representative. XXXX would not send copies of the charges nor disclose to whom they pertained, citing privacy rules. XXXX did not volunteer the information that this scam is well-publicized and has been going on for years. The representative stated that the charges were incurred by someone in my household, which is impossible. I am the only user. I checked my own purchase history on the XXXX app. It showed only the normal recurring charge of {$0.00} per month for XXXX storage. How then was XXXX aware of the fraudulent charges? Ultimately, I was refunded for three charges of {$12.00} each. I am still waiting for a refund of {$22.00}. I checked my credit report online. There is no evidence to suggest identity theft. Again, I am concerned that untold amounts of money may be flowing to scammers via XXXX XXXX. The new generation that now uses its credit and debit cards for every trivial transaction will have a difficult time identifying fraud that involves a trusted vendor such as XXXX. Please investigate. I will furnish original emails between myself and XXXX, XXXX upon request.
Consumer complaint received 2017-06-29
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. (GA)

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX - XXXX : Unverified account XXXX  XXXX : I have never paid late XXXX XXXX XXXX : I have never paid late XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : I have never paid late
Consumer complaint received 2017-06-29
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. (AZ)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. They are Unverified Accounts, I demand the following accounts be verified or removed immediately. 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 XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Moreover, I have never paid late these accounts, please investigate : XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (NC)

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.
Consumer complaint received 2024-11-19
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: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage was paid off as the XX/XX/XXXX and received a paid in full confirmation from the SPS ( loan servicing company ) but in XX/XX/XXXX received new balance and mortgage statements with the full amount of the loan. I thought it is a mistake or computer glitch and called them to see why I am getting this statement. Also asked for debt validation. SPS has failed to show me any debt validation and now has set a trustee sale date XX/XX/XXXX! 
I have been in touch with SPS and its legal department for the last 4 months and have got zero answers to my questions. Its sounds like third world countries that theres no rule of law. Please ask them to validate the loan or stop this process of fraud and illegal activity. 
Thanks
Consumer complaint received 2017-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (TX)

In accordanc e with 10 U.S.C. 1044, I  am a   XXXX   XXXX   XXXX   XXXX   XXXX    representing  XXXX   XXXX   XXXX  and his daughter,  XXXX   XXXX   XXXX  in a legal assistance capacity.   XXXX  Wells Farg o Education Financial Services h as been attempting to collect a fraudulent debt from my client. They have also ignored and refused to investigate information provided to Wells Fargo by my clients that they were attempting to collect a fraudulent debt.   XXXX  The loans were taken out naming  XXXX  as the institution of attendance. We have contacted the University  XXXX   XXXX   XXXX   XXXX   , w ho reported they have never received funds from Wells Fargo  that  was used to pay tuition or any other fee for  XXXX   XXXX   XXXX   XXXX   XXXX  did attend  XXXX  in  2013 , when the loans were taken out.   XXXX  We have contacted Wells Fargo to let them know we are formally disputing the debt.   XXXX   Loan Number   XXXX , Account number-  XXXX   Amount  is around {$4000.00}
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NBT BANCORP INC. (NY)

I have a joint checking account with my XXXX XXXX XXXX son that he uses primarily to deposit his part time job paycheck, go out to lunch with his friends, etc. His account balance was low, and when he purchased a coffee he was charged an overdraft fee ( {$35.00} ) by the bank. I explained to him that he needed to keep track of his balance better so as to avoid such fees in the future. Although he kept track of his actual purchases, existing debits that were set up via XXXX, as well as attempts to pay and be paid by his friends through XXXX, resulted in multiple additional {$35.00} fees for both overdraft charges and, when the balance became less than XXXX, insufficient funds fees ( also {$35.00} ) - the latter even though the bank did not actually pay the amounts on his behalf. Ultimately, there were more than {$350.00} in bank fees charged for less than {$50.00} of claimed and attempted purchases. 

I called the bank to ask them to stop all activity on the account in order to stop the accumulation of additional fees. They advised that they couldn't do that - I needed to go to the branch in person to close the account. After taking off work for an afternoon to visit the branch, they advised me that I first needed to pay the accumulated fees before they would agree to close the account. In other words, they refused to close the account and prevent the assessment of additional fees, which continued to accumulate for several weeks after I tried to close the account. 

As of today, the bank has also prevented me from accessing two other unrelated accounts that I have, claiming that I must first pay the accumulated overdraft and insufficient funds fees on my son 's account before I can obtain access to money I have in the other accounts.
Consumer complaint received 2017-06-29
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. (CA)

They didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me. XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2017-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX   XXXX   XXXX    XXXX   has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX     2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score at t he moment.
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, 2017 received notice from Chase **WARNING** Chase is UNFAIR to long term customers!!?! ** I 've been a Chase Ink Business Credit Card holder for nearly 20 years and have never missed a payment. Though I have been late never more than a day. During a recent hospital stay a relative made my payment late ( a day ) and to my disappointment Chase raised my interest rate to a draconian 27+ %. I called and an account manager named XXXX ( nice woman ) who told me that unfortunately there was nothing to be done. Over the years I have had a mortgage, line of credit and several credit cards, personal and business with Chase. Paid them all in good faith and this is how they reward loyalty. <P/>STAY AWAY FROM CHASE.
Consumer complaint received 2024-09-16
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. (NJ)

Re : Request for Removal of Account Information XXXX XXXX Account Number : XXXX Dear Transunion I am writing to formally request the removal of a derogatory entry on my credit report related to an account with XXXX XXXX. This request is based on the recent judgment in the class action lawsuit against XXXX XXXX, which mandates the removal of derogatory information from consumers ' credit reports due to unfair practices and predatory lending. 

The relevant case is In re : XXXX XXXX XXXX Dealer Interest Rate Overcharges Litigation. The judgment issued in this case requires that any negative credit information associated with XXXX XXXX be removed from consumers ' credit reports as a result of the improper practices identified in the lawsuit. 

The details of the account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Original Account Status : Collection/Chargeoff Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and request the removal of inaccurate or outdated information from my credit report. The removal of this account is in accordance with the courts ruling, which has deemed such information invalid due to the predatory nature of the lending practices involved. 

In light of the judgment and the provisions under the FCRA, I request that you promptly remove this account from my credit report. Please confirm in writing once this action has been completed. Additionally, I would appreciate a copy of my updated credit report reflecting these changes. 

Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I went through a terrible divorce, I was in an unfaithful abusive marriage and finally got the courage to leave. After starting out on my own I kept trying to get back on my feet, I was unsuccessful for a year and a half. I ended up homeless, jobless, and in turn car-less. I contacted the places I had credit through and tried to explain the situation, I had a medical bill due to the abuse, had maxed out my credit card trying to stay in horrid motels, etc. I have credit card debt, student loan debt, and a payday loan that I took out as a last resort. Most companies seemed to understand and assured me that they would n't put anything on my credit due to the 'natural disaster ' as it was put. I recently checked my credit report and it had since dropped XXXX points since this all began, in addition I now have XXXX XXXX XXXX ( cell phones ) and XXXX XXXX XXXX ( XXXX ) that I had with my ex-spouse, I guess he decided in this time, since it was in my name he 'd just rack up the charges and not pay them. Any time I contact any of these companies they are unwilling to help. My credit is completely ruined. I am barely getting by as it is now, but ca n't even obtain a small car loan because of all of this, luckily I found a house to rent from a private owner that went through an extremely volatile divorce as well. I was told to look into consolidation, but that would cost over {$400.00} a month for 4 years and would n't get rid of all of it, as far as my student loans go, I was told I 'm XXXX if they are behind in payments. I have to pay them up to date in order for them to help me.Three companies said they would help by not sending my accounts to collections but instead closed them and put it as 'charge off ' which I here is just as bad and will remain on my credit for the standard 7 years. It feels like this is a never ending cycle now. I can see why people stay in abusive relationships now because I left a negative for negative, I do n't see how XXXX is better than the other now.
Consumer complaint received 2017-06-29
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: EQUIFAX, INC. (VA)

Dear sir or madam, I am a victim of identity theft, The information listed below which appears on my credit report does not relate to any transactions that I have made, it is a result of idenity theft, idenity items from from idenity theft should be blocked. Please block this information from my credit report pursuant to section 605B of the fair credit report act and send all information to all furnishes of this information, a copy of my police report is included, Police report # XXXX
Consumer complaint received 2017-06-29
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. (CA)

They have informed me that they verified the accounts listed below : XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (TX)

When the original creditor called we were confused about the debt because they were saying XXXX XXXX and I have a XXXX XXXX Credit Card. We told them we did n't have an account with them and they said thank you and we never heard from them again. Now they have apparently sold the debt to LVNV Funding and they call and tell me they are serving me with papers and going to be contacting my place of work. I am not even sure what this is about.
Consumer complaint received 2024-11-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Kikoff Inc. (GA)

The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.