davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MO)

I am writing to inform you that I have never had an account, agreement or contract with your company, Sunrise Credit Service. It has come to my attention that inaccurate information related to an alleged and previously disputed and corrected debt has been reported to credit agencies, negatively impacting my credit report. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally disputing this information. As per 15 U.S. Code 1692a ( 3 ), I am the consumer, and you, Sunrise Credit Service, are the debt collector under 15 U.S. Code 1692a ( 5 ). Citing 15 U.S. Code 1692c ( c ), I am invoking my right to cease communication, and I demand that you terminate all further efforts to pursue this alleged debt, as outlined in 15 U.S. Code 1692c ( c ) ( 1 ) and 1692c ( c ) ( 2 ).

Additionally, I am acting as the executor under 15 U.S. Code 1692c ( d ), emphasizing that debt collectors are prohibited from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt, as per 15 U.S. Code 1692d.

Furthermore, your reported false credit information, as indicated in 15 U.S. Code 1692e ( 8 ), and the false representation or implication that accounts have been turned over to innocent purchasers for value, per 15 U.S. Code 1692e ( 12 ), are clear violations. I am also drawing attention to the violation of 15 U.S. Code 1692f regarding unfair practices, as well as your failure to cease collection efforts until verification of the debt, which is mandated by 15 U.S. Code 1692g ( b ).

Finally, I want to bring to your attention the civil liability outlined in 15 U.S. Code 1692k, which holds debt collectors liable for damages resulting from non-compliance with the provisions of the FDCPA. Considering the serious nature of these violations, I request an immediate investigation into this matter and the removal of all inaccurate information from my credit report. Failure to comply may result in legal action.

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

It has been over five years and Wells Fargo Company its not letting me open a bank account. I mean to open a bank account and then close it two days later is the most petty thing a bank could do and unprofessional they legitimately deserve to be sued I was told specifically by XXXX XXXX and XXXX that I would be able to open a bank account after five years and I was and did and put in money and now theyre closing for no apparent reason and no explanation. Its probably due to bank relationships and the fact that they dont wan na let me have another bank account because of something that happened five years ago.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I received a letter from XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX stating that I woed a Federal Perkins Loan. 

I have no mempry of suchha loan, so I called to dispuste. They advised that this loan was taken out in XXXX and defaulted in XXXX. I XXXX from XXXX XXXX University in XXXX and my memory is that my student loans have been paid. 

I checked my credit this morning and they are reporting the this loan. My understanding is that Federal student loans which have been reported to be in default for seven years or more must be deleted from a consumer 's credit record. Under the Department of Education 's Fresh Start Program specifically, the Department deleted reporting about loans that were delinquent for more than seven years. 

If by XXXX records the last axctivity was in XXXX, then this is 30 years old and should not be reprted on my credit. I called XXXX today and they advised that they will not stop reporting and will do nothing about it. 

Please help me get it removed from my creidt. I have filed a disput with experion. Pleas let me know whatever further information you need.
Consumer complaint received 2022-10-04
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: WELLS FARGO & COMPANY (AZ)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Wells Fargo for taking adverse action with forethought and malice. 

I sent Wells Fargo a billing error notice ( A copy attached ) via Postal mail which was delivered on XX/XX/XXXX, through Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Wells Fargo reported to XXXX ( Copies attached ) on my consumer report as the Account is 150 days past due. Wells Fargo has not mailed or delivered me a written acknowledgment, nor complied with the appropriate resolution said in 1666 Title 15 or 12 CFR 1026.13.

According to 15 USC 1666a ( a ) REPORTS BY CREDITOR ON OBLIGORS FAILURE TO PAY AMOUNT REGARDED AS BILLING ERROR After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

Furthermore, in 15 USC 1666 ( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

Wells Fargo is in clear violation of 15 USC 1666 et seq and has now forfeited any rights to collect the amount indicated in the billing error notice. 

Thank you.
Consumer complaint received 2022-10-04
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. (CA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

This Credit Card was opened without my knowledge. At the time I did not have a credit score to even get approved for a credit card. This card was opened with an {$11.00} limit which I certainly would not get approved for. I have sent several letters to have this removed from my credit report it keeps showing as an account in collections. I did not open this account. They can check how the account was open. Please see who they applied for this card online or from a device that was not mine. I tried to open a bank account and I want to file a complaint they opened my checking account then also closed it for no apparent reason also tried to open a business account with chase. I had someone open a chase fraud check in my account went to jail found out it was not me I was in jail on probation and later the charges were dropped. I need this removed from my credit report from all XXXX bureaus and I want to have my checking account back reopened. Thank You
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (PA)

My name is 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 2022-10-04
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. (NC)

Im submitting this CFPB complaint to you today as well as to the Credit reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (AL)

I purchased my home in XX/XX/XXXX. At closing, the attorney collected my first years insurance and taxes and paid them. In summer of XXXX, I received a notice from Amerihome Mortgage saying my escrows were behind. On reviewing the statement, it showed that they paid insurance from my escrow account in XXXX. I contacted the closing attorney who sent proof they had paid it already. I forwarded this to Amerihome 3-4 times and asked fir a cancelled check or any proof of payment. I had also contacted my agent at XXXX XXXX who checked and said they had only received payment from the attorney. 
My closing attorneys office contacted them as well. After emailing and calling multiple times, they still will not send proof of payment. 
I am on XXXX and can not afford extra expenses on a fixed income. The {$1200.00} that is missing is a huge amount of money to me. I was told multiple times ( after spending very long times on the phone ) that they would send proof and they never do. Any honest company would get yo the bottom of this issue and make it right.
Consumer complaint received 2022-10-04
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 is 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 2022-10-04
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-10-04
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. (DE)

My name is 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.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]
Consumer complaint received 2024-01-31
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

Source Receivables management PursuIt to 18 USC 8, I owe NO debt.This company is violating my consumer right to privacy pursuant to 15USC 1681 b2. This company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). 
Reporting false information with an open balance
Consumer complaint received 2022-10-04
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. (CA)

I recently printed my TransUnion credit report and noticed fraudulent unauthorized credit/loan inquiries on my report, I reported this fraudulent activity to TransUnion via certified mail which they received on XX/XX/22 according to USPS return receipt. in my certified mail i included a copy of my FTC and Identity Theft report with a letter asking to remove the items and a copy of my ID, social security card and utility bills to proof my identity. I followed up with a phone call and they told me that the attached FTC report was invalid because they couldn't proof my identity. 

TransUnion stated that these inquiries were properly investigated and verified. however, how is this could be verified if I reported the unauthorized /fraudulent inquiries on my report without my written consent. as stated on section 604 of the FCRA and section 611. as a California resident I requested a description of the investigation procedures as stated on the FCRA act.

Section 604 [ 15 U.S.C. 1681b ] - Permissible purposes of consumer reports. 

( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
( XXXX ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required, ( 6 ) Notice of Results of Reinvestigation - ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

( XXXX ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.