davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NOTICE TO CEASE AND DESIST To Whom it May Concern ; I XXXX XXXX, consumer, and natural person, am aware of ALL rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 1681a ( f ) Congress defines Consumer Report Agency : The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Which XXXX XXXX regularly engages in whole or in part in the practice of assembling or evaluating Consumer credit information for the purpose of furnishing consumer reports to third parties.

15 USC 1681a ( 1 ) States the banking system is dependent upon fair and and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( 4 ) States there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy XXXX XXXX is reporting false and inaccurate information on my consumer report.Thats damaging my reputation, which is leading to XXXXXXXX XXXX  and a host of medical and financial issues. This blatant privacy violation of furnishing false and inaccurate late payments without my knowledge is causing XXXX and XXXX in my life. I demand you CEAST AND DESIST reporting late payments from my consumer report that your furnishing to all the consumer reporting agencies.

Pursuant to 15 USC 1681n - Any person who fails to comply with any requirements imposed under this sub chapter with respects to and consumer is liable to that consumer. 

XXXXm giving you notice to CEASE AND DESIST furnishing the false and inaccurate late payments of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all consumer reporting agencies immediately. 
Failure to comply will result in Civil Penalties. 


SINCERELY XXXX XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

ive received calls from at & t about a cellphone or bill that wasn't mine ive had XXXX for years my mother pays the bill. my credit is very good I don't open things without paying or having knowledge of the account ive told them and provide documents of my cell phone history I have never had at & t or a bill from at & t to know where to start sunrise credit service {$2600.00}
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear Credit Buerau there is information on my consumer report that is result of identity theft. i did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transaction. the identified transaction are not information related to any transaction by me as the consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your are required to do what i am asking and block these transaction from being reported to my consumer reported within 15 days from the date of the receipt of this notice. i look forward to your response. 

thank you, XXXX XXXX
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (PA)

I am filing this complaint against TD Bank/Target due to their refusal to delete a fraudulent credit card account from my credit report. On XX/XX/22, a Target credit card with a balance of {$310.00} was fraudulently opened under my name after fraudsters gained access to my personal information and rerouted my mail. I have provided the credit bureaus with a police report, FTC report, and additional documentation, yet TD Bank/Target still refuses to delete the account. I have consulted with XXXX XXXX, XXXX, who is prepared to take my case if necessary. I am not liable for this account, and I demand its immediate deletion from my credit reports.
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (AL)

In accordance with the fair credit reporting act, Chase auto bank, account XXXX XXXX  has violated my rights. 

They constantly charges me late payments and report late payments to the bureaus when I make debit payment on the due date. It is not my fault that they don't take the funds that date. Even though it shows me making payments on or a few days before the due date, they still charge late fees and reports negative comments to the bureaus when its not my fault that the processing is slow. I have tried to talk with them about this issue but they will not be fair. I am a veteran who has served this country and in return you get unfair creditors who treat their customer with no fairness. I wish to be treated equal and have these late payments removed as I am making my payments on time, it is the system that processes the payment slow.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSC XXXX Dear Credit Buerau there is information on my consumer report that is result of identity theft. i did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transaction. the identified transaction are not information related to any transaction by me as the consumer. 



Capital one auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your are required to do what i am asking and block these transaction from being reported to my consumer reported within 15 days from the date of the receipt of this notice. i look forward to your response. 

thank you, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EASTERN BANKSHARES INC (ME)

I was living at the XXXX XXXX XXXX XXXX XXXX XXXX, to avoid the XXXX of a Social Worker operating an UNLICENCED, but XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My account is again frozen and my bank debit card has been rendered inactive interfering with my setting up my new apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I sent a letter and an email to my private student loan provider- Firstmark a division of nelnet requesting an application for student loan discharge for my remaining student loans based on predatory loan practices by my school, XXXX University, previously owned by XXXX. I entailed a list of predatory practices and reported multiple times the offering of private student loan discharge by multiple private student loan providers. Additionally, I was explicit regarding nelnet being part of my loan provider over 10 years ago. I received a short reply stating there was no confusion regarding my loan type, and that it was a private loan. There was no reply regarding an application for student loan discharge.
Consumer complaint received 2022-06-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (CA)

XXXX XXXX keeps trying to call me multiple times a day and has called my landlord, Friends and family in attempt to reach me. 

This is harassment and needs to stop. I Do not have a NAVIENT loan! this was settled already. i filled a police report about this back in XXXX. 

Im currently in talks about suing Navient for an attempt of debt collection on a debt i dont have
Consumer complaint received 2024-10-22
Product: Credit 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: SYNCHRONY FINANCIAL (MO)

I was contacted by the XXXX department for Synchrony Bank XXXX via letter dated XXXX. I contacted the department XXXX on XXXX at XXXX XXXX. and confirmed the charges listed on my bill on XXXX and XXXX in the amounts of {$XXXX}, {$XXXX} and {$XXXX} totalling {$XXXX} were fraudulent. I did not make these charges. I sent a letter dated XX/XX/year> enclosing the bill with the fraudulent charges and disputing the charges again. I also enclosed a letter sent to me by Synchrony on XXXX regarding the disputed charges telling me there was no fraudulent activity and the charges were pending and not billed to my account. The charges were billed to my account and are fraudulent. I do not have a baby and did not buy items for a baby. I received another bill in XXXX and in XXXX with the original fraudulent charges with interest and late fees added. I disputed the charges with XXXX # XXXX file number XXXX in review stage. Synchrony just sent an email reminder of payment due of {$XXXX} on XXXX. This is the fraudulent charges with interest and late fees added on that I do not owe and can not get them to removed from my account.
Consumer complaint received 2018-12-07
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. (WI)

I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my TransUnion account ( it isn't shown as open, it isn't shown as closed, etc. On XXXX  it is showing as closed, XXXX  % paid off, but no payment information ( Highest Balance = {$0.00} ) - XXXX  screen shot attached. 

I disputed with TransUnion on XXXX XXXX & XXXX XXXX ( via XXXX   website ), details attached. I also disputed directly with XXXX  on XXXX XXXX   ( details attached ). 

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).
Consumer complaint received 2022-07-20
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. (NV)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$2500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

This all started about 3 years ago.I ordered phones from XXXX  and mailed them right back.I do not owe anything because the phones were returned right away and not opened as per our agreement. I have contacted XXXX numerous times and the companies that it has been transferred to I think it was two times. 
The amount owed shows {$1200.00}.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (MA)

I was shocked when I reviewed my credit report this morning and found late payment on the dates below :XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements, which might of been applied to the wrong card as I have 2 of them. I specifically got this card to start building my credit systematically. My only thought is that my monthly statement did not get to me for the correct card.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (GA)

Called Ulta at XXXX on XX/XX/24 regarding my rewards points as they were not showing up in my Ulta account to be redeemed. These were purchases from companies outside of Ulta using their Ulta XXXX XXXX issue by Comenity Bank where for every {$3.00} spent outside of Ulta I would receive XXXX point. 
The representative told me they would be deposited at the close of the billing cycle on XX/XX/24. They were never deposited. 
Called Ulta again on XX/XX/24 regarding same issue as points are still not posting to my Ulta rewards account. Got the runaround again saying they will be posted at the close of this billing cycle in XXXX. I spoke to XXXX supervisors and sent an email at their request to XXXX with a copy of my statement showing all of my transactions. Eventually after asking for a XXXX supervisor they put me on hold and I waited for an hour and a half for someone to take my call which was never answered. I waited for so long the auto music stopped playing. 
As of today XX/XX/24 I have not been credited for ANY points using my Ulta XXXX XXXX. 
I am VERY disappointed in their lack of customer service. It's like pulling teeth to find any information out.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (AR)

Here is an overview of my issue : I have been a long-time customer, and I recently made a payment that brought my account balance to XXXX. However, after that payment, a {$2.00} interest charge was applied, which I was unaware of until XX/XX/year>. 
In XXXX, I paid the {$2.00} interest charge, but it was over 30 days past due. As a result, my credit score has dropped from a range of XXXX to XXXX due to this minor charge. 

I contacted Express/Comenity Bank a few weeks ago and was advised to reach out to all three credit bureaus. I did this, filing a dispute and including the zero-balance letter you provided me. However, the credit bureaus informed me that they can not remove the derogatory mark unless they receive a request from Comenity Bank/Express , either through a phone call or a written letter. 

Given the minimal amount of the charge, I am hopeful that you can contact the credit bureaus to resolve this matter and prevent any further damage to my credit. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-09-21
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: CL Holdings LLC (TX)

Subject : Final Request for Removal of Inaccurate Collection Account XXXX XXXX XXXX # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. 
Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. 

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should b reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification has been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA.

Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (VA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.