davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (OH)

Starting at XXXX XXXX  on Friday XXXX XX/XX/2023 through XXXX XXXX  XXXX XXXX, I have received 55 telephone calls from Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX, NY XXXX at ( XXXX ) XXXX. 

I had my current phone number for close to 2 years. I have no delinquent debt. I have nothing to do with these people. 

At XXXX XXXX XXXX XXXX a call came in after I printed out my phones history. Previously received phone calls from Sunrise Credit XXXX & saved to my phone history : Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX & XXXX XXXX, Thur XXXX XXXX XXXX XXXX  & XXXX XXXX, Wed XXXX XXXX XXXX XXXX & XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX & XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX & XXXX XXXX. Wed XXXX XXXX XXXX XXXX & XXXX XXXX, Mon XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX, Thur XXXX XXXX XXXX XXXX, Wed XXXX XXXX XXXX XXXX, Tue XXXX XXXX XXXX XXXX, Fri XXXX XXXX XXXX XXXX. 

Will the FTC issue Sunrise Family of Companies, Sunrise Credit Services , Inc., XXXX XXXX XXXX XXXX XXXX XXXX a cease & desist order? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-23
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: SYNCHRONY FINANCIAL (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-08-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (CA)

The company, XXXX XXXX XXXX XXXX XXXX ), if it is an actual company and not scammers, is claiming to collect on an old payday loan from Check N Go and is using shady tactics ( via robocalls ) such as threatening to come to my home and place of employment so I can sign so " documents '' as well as harassing me by calling my phone back to back all day long which is a violation of the FDCPA ( so far today they have called me at XXXX, XXXX, XXXX, XXXX, XXXX, and again at XXXX in which they called 3 times within XXXX seconds ). This company is also spoofing numbers to call me which technically is a violation of the FDCPA because they are not properly identifying themselves by using their own company numbers to call. I have provided the voicemails left on my phone over the last 2 days from this company. I pulled my credit reports and this debt they claim I owe is not even listed on them anymore, so I think they might be trying to collect on old debt that might be beyond that time frame allowable.
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc. (LA)

I learned that XXXX XXXX/XXXX XXXX XXXX had reported a {$200.00} Charge Off them on my credit reports in XXXX. 

I disputed with the credit bureaus in XXXX and XXXX XXXX  verified with the credit bureaus in XXXX. I then wrote XXXX XXXX  requesting information in regards to this debt. 

They did not respond to my XXXX  to them. 

I received a notice from a collection agency in XXXX and so I wrote them a letter requesting validation of the debt. The collection agency then sent me a letter stating that this account would be sent back to XXXX XXXX. 

I have spent hours trying to get any type of clue what this account is for with XXXX XXXX  and I have yet to receive anything about this however it is still being reported to my credit bureaus. I asked the credit bureaus to give me the method of verification and they gave me the number to XXXX XXXX  and they are no help over the phone or in writing. I am at my whits end with this company and its unlawful reporting to the credit bureaus.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-23
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. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
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. (MI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Name : XXXX Account name : XXXX XXXX XXXX  Account Name : XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2020-04-23
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. (LA)

I learned that XXXX XXXX/XXXX XXXX XXXX had reported a {$200.00} Charge Off on my XXXX, Equifax, XXXX  and XXXX report in XXXX. 
I disputed this item as not mine with the all four of the bureaus in XXXX and according to the bureaus XXXX XXXX  verified with them in XXXX. 
I then wrote XXXX XXXX requesting information regarding this debt. XXXX XXXX  did not respond to my XXXX  to them. 
I received a notice from a collection agency in XXXX and so I wrote them a letter requesting validation of the debt. The collection agency then sent me a letter stating that this account would be sent back to XXXX XXXX. 
I have spent hours trying to get any type of clue what this account is for with the credit bureaus yet all they can tell me is that it is verified, and I have yet to receive anything about this. Yet it is still being reported to my credit bureaus. I asked all bureaus to give me the method of verification and they gave me the number to XXXX XXXX  and they are no help over the phone or in writing. 
This is not my debt this is not my account and it appears on my credit file in error. XXXX, Equifax, XXXX  and XXXX somehow verifies this, yet I am unable to even find out what the debt is for. I am at my wits end with Experian unlawfully reporting invalidated and unverifiable information on my credit file.
Consumer complaint received 2023-08-21
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-17
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. (CO)

The XXXX XXXX XXXX XXXX is showing 4 late payments on my credit report. These payments were not late, but connected to an old account. The payments would go out and come back after the 30 day period. We've had several loans when XXXX and the issue appeared to be that the incorrect accounts were listed on payment so they would come back and we had to resubmit. I didn't realize they were filing them late as the XXXX rep with tell me that everything was fine and I assumed that meant these payments weren't reporting incorrectly as late. 
I contacted them and they did not know how to fix.
Consumer complaint received 2020-04-17
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. (CO)

The XXXX XXXX XXXX XXXX is showing 4 late payments on my credit report. These payments were not late, but connected to an old account. The payments would go out and come back after the 30 day period. We've had several loans when XXXX and the issue appeared to be that the incorrect accounts were listed on payment so they would come back and we had to resubmit. I didn't realize they were filing them late as the XXXX rep with tell me that everything was fine and I assumed that meant these payments weren't reporting incorrectly as late. 
I contacted them and they did not know how to fix.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2020-04-17
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. (TX)

ftc violations BUCKLE Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XX/XX/XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} Million Settlement from University ... www.ftc.gov news-events press-releases XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} million to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing, Inc. ( SPS ) is handling my escrow and are suppose to be paying the taxes and insurance from my escrow. XXXX county tax commission has filed a FI FA against me because SPS has refused to pay the taxes like they are supposed to. I have enclosed a copy of the letter from XXXX County Tax Commissioner about this matter.
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violations BUCKLE Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XX/XX/XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I recently reviewed my credit report and noticed inquiries from your company that I do not remember authorizing. Its my understanding that credit inquiries should only be made with my consent. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-01-04
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. My personal information was compromised and a fraudulent charge were included on my account without my consent or authorization. 
I sent this company my dispute letter on XXXX with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action. 
For yet XXXX last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I have 6 CC cards with Synchrony and I have tried to a month to have a closed bank account removed from these accounts. They have no option to remove an account only to add an account. You can use their AI chat and it asks you if you want to remove a payment method which is great if it worked. It hasn't worked in a month. I have chatted with a real person they were not able to do it, I have talked to customer service and they could not do it. What this causes is when an automatic payment is set up the payment is defaulting to the closed account causing it to generate a " we can't process your payment ''. So you must log into the accounts manually and make the payment with another method. It is inconceivable that this company is the only one who doesn't allow you to remove an account. If I don't log into the account and forget it means I will receive a 30 day late on my credit report. Not acceptable they need to fix this or they need to not offer credit cared or tell the consumer they don't over the feature.
Consumer complaint received 2020-04-23
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. (CA)

ON XX/XX/2020 I APPLIED FOR THE CO-VID 19 SMALL BUSINESS RELIEF FUNDING AND WAS DENIED DUE TO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I THEN THOROUGHLY REVIEWED MY CREDIT REPORT AND FOUND FIVE CREDIT CARD ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH ADDRESSES I HAVE NEVER LIVED AT. I HAVE NEVER OPENED ANY OF THESE ACCOUNTS OR EVER AUTHORIZED ANYONE ELSE TO OPEN THEM IN MY NAME. I HAVE NOT BENEFITTED OR RECEIVED ANY MONIES IN GOOD FAITH. I AM NOT LIABLE FOR THESE ACCOUNTS AND NEED THEM REMOVED PROMPTLY AS IT THEY ARE NOW CAUSING ME FINANCIAL HARDSHIP. PLEASE REMOVE THESE ADDRESSES AS I HAVE NEVER BEEN ASSOCIATED WITH THEM : XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX