davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (MA)

Dear XXXX ; National Recovery Agency ; This is fraudulent, not mine, never had relationship with non of these companies associated with. Basically, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 2024-06-03
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 

XXXX INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 


RESIDENT VERIFY INQUIRED ON XX/XX/XXXX. THEY DID NOT HAVE AUTHORIZATION TO PERFORM THE ACTS THAT THEY DID.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (UT)

I started the process of applying for a loan assumption with Mr. Cooper in XX/XX/XXXX. Originally, I was given the incorrect email ( XXXX ) to send all of my documents/SS # /personal information to. I followed-up with that email on XXXX and XX/XX/XXXX but never heard back from them. Eventually, I found out from my previous lender that it was a different email I needed to send this stuff to, which was XXXX. I re-sent all of the required documents/forms to that email on XX/XX/XXXX. I followed-up with them on XX/XX/XXXX and at that time I didn't receive any status. Finally, I follow-up on XX/XX/XXXX with their customer service and they could only tell me that my application was denied for missing documents. They could not and would not tell me which document ( s ) I was missing. They would not allow me to speak to the loan assumption team. They would not let me speak to a manager. I was never contacted about my loan assumption application by a loan officer or even informed that it was denied. Customer service simply told me to apply again. Furthermore, during all this time, they failed to inform me that my loan number changed and they suddenly changed my address on file to a home that I lived in two houses ago.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (CA)

Around XXXX ( unsure of exact date due to the Mohela acct not active ), I emailed Mohela advising that upon speaking with agents to confirm that I was under protected deferment/forbearance status, I asked why I was being reported negatively that I missed a payment under these protected statuses. I then sent a dispute to Mohela uploading my credit report showing the following : Balance {$980.00} showed late XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ; Balance {$4800.00} showed late XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ; Balance {$11000.00} showed late XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Prior to any newer loans being serviced by Mohela, there were a total of ( 5 ) older loans ( between XXXX ) that were serviced by Mohela from XXXX XXXX XXXX XXXX and only 2 of the 5 were under protected deferment/forbearance status which is not normal protpocal. When a forbearance/deferment is processed through the StudentAid.Gov website, it is for all student loan accounts. As a student, and a graduate of the XXXX XXXX XXXX  program at XXXX, I know this and have learned this from StudentAid.Gov representatives. 

It has been now over 30business days even 36 business days. When I call them, I am placed on hold for long hours, which is why I am sending in this request.
Consumer complaint received 2024-07-15
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: ENOVA INTERNATIONAL, INC. (TX)

The adverse rating on my account is a source of considerable alarm. I'm gravely concerned about its detrimental effects on my credit standing. This negative mark has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. The financial hardship and emotional toll this unfavorable rating has inflicted, and will continue to impose until resolved, can not be overstated.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (FL)

Robinhood restricted my account for suspicious activity. Have no access to any of my funds for over two weeks. Will not allow me to close my account to access my funds because of this restriction. Literally zero way of getting in touch with anyone there as their request a call button does not work and they immediately disconnect me from all live agent chats.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

Customer Service Issues with Synchrony Bank XXXX Amazon Credit Card ). I am having with Synchrony Bank, the issuer of my Amazon credit card. 

I have recently encountered several problems that have made it impossible for me to manage my account effectively. These include : Inability to XXXX Customer Service : I have been unable to reach a representative by phone. 
Chat Function Unavailable : The chat function on the Synchrony Bank website is also unavailable. 
Password Reset Issues : I am unable to reset my password online, further hindering my access to account information. 
This complete lack of communication is unacceptable. To make matters worse, despite these access issues, I have received a notification from Synchrony Bank indicating a late payment on my account. 

This situation is incredibly frustrating and reflects poorly on both Amazon and Synchrony Bank. It is clear that Synchrony Bank is not providing the level of service expected by Amazon customers. 

I urge you to take immediate action to address these issues with Synchrony Bank. This includes ensuring : Readily available customer service representatives via phone and chat. 
Functional online account management tools for password resets and other tasks. 
Communication and support for customers experiencing account problems. 
A strong partnership requires reliable service from both parties. Synchrony Bank 's current performance is a significant detriment to the customer experience and damages Amazon 's reputation. 

Thank you for your prompt attention to this critical matter. 

Sincerely,
Consumer complaint received 2024-07-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc. (NM)

I applied with Transform Credit for a loan. I checked online reviews. Seem legit. I filled out application. They needed my account information for deposit. From my loan payment {$5.00} will be added to a credit file to build my credit report. During the whole process they did not mention I needed a co-signor. I was denied the loan and now they withdraw {$5.00} from the bank account the deceptively gotten. It was very deceptive business practice. No loan and they get {$5.00} Every month. Win for them, loss for me. Very unfair practice
Consumer complaint received 2023-09-30
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified account below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the EXPERIAN CREDIT BUREAU, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MI)

XXXX XXXX XXXX ( XXXX... ), {$1100.00} XXXX XXXX XXXX ( XXXX... ) {$1100.00} SUNRISE CREDIT SERVICE ( XXXX... ), {$3500.00} SUNRISE CREDIT SERVICE ( XXXX... ) XXXXXXXX XXXX  ( XXXX... ) {$4600.00} claiming that the government has secretly placed me as security for countries debts i have these beliefs, understanding the uniform code to discharge us from responsibility for their debt 15 usc 1681b A consumer reporting agency shall block the reporting of my information and the file of a consumer that the consumer identity as information it has been 30 days you are in violation of this law because I am a victim of identity. Therefore, please delete all items immediately these accounts should not be furnished or my consumer report, as they are in violation, permissible purpose of consumer report a in general submit to subsection C any consumer reporting agency may furnish a consumer reporting under the consumer to whom it relates. I never gave any consumer reporting agency ready consent as a consumer I am demanding the deletion of all accounts listed immediately. 


If you have any debt reporting and violates your right as a consumer, all bills are to be filed 1099 seven form B back to identifiers of debt discharged be announced to disclose your rights as a consumer
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC (GA)

I had credit protection with the card. I became involuntary unemployed in XX/XX/year>, and notified the company to enable credit protection. They never did or would and now my credit score has dropped and the account is showing past due. They have sent me a " settlement offer '' to pay off the debt at a reduced amount. I've called, written and emailed them about this issue.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX I Have never had XXXX XXXX I do not know where or whom this company is. I reached out to them to ask them about this account and they never sent me anything. This is fraud. I sent over multiple letters certified mail and they still haven't remove this from my credit report. FRCA law prohibits false information that is not mines to be reporting. I demand this is removed from my credit report. NeXT steps will be filing a lawsuit.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (WI)

I received a letter in the mail from Jefferson capital for a collect of {$580.00} I have reached out to this company and explained that I have no acknowledgment of this debt and that this is not me who has opened this account and asked him to normal or contact me and to report this as a fraudulent accounts. Around XX/XX/2023 Next company XXXX XXXX XXXX I have tried to dispute and explain multiple times. I have no acknowledgment of this account and that this is also not me and this is fraudulent.For the amount of {$510.00}
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I want to inform the Credit Bureaus 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 Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery sued and was granted a judgement without notice to me nor being served before the fact. I was at XXXX time seeking bankruptcy protection. I've been able to avoid it thus far. As of today however they have out of the blue frozen my bank account of which I never received any notice. I pay rent and child support from this account and need it to be unfrozen. I will proceed XXXX bankruptcy if that's my only option but they have been unscrupulous throughout without notice nor follow up
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (MN)

I applied for the US Bank XXXX XXXX XXXX XXXX credit card in-person at the US Bank XXXX XXXX XXXXXXXX XXXX on XX/XX/year>. I received notification by phone call ( branch banker- XXXX, voicemail available ) that I was approved on XX/XX/XXXX. On XX/XX/XXXX, I received the US Bank Signature Connect credit card via USPS. This was not the credit card that I applied for, nor that I received disclosure notice documentation from the branch about. 

Immediately after opening the letter from US Bank and seeing this mistake, I repeatedly attempted to contact the bank branch between XXXX and their closing time at XXXX, nobody ever answered the phone. I called US Bank 's XXXX services number, and spoke with XXXX, a Credit Card supervisor ( call ref # XXXX ) who informed me that there is nothing they can do to replace the credit card and line of credit that I had applied for with the one that I received. They recommended that I take time off work to again visit the XXXXXXXX XXXX bank branch to try to work with the manager to resolve the mistake- which was likely made by the banker ( branch banker, XXXX XXXX who processed my application. I am told that most likely, I will need to close this account and go through the entire application process again, including unfreezing and pulling my credit history, and that I will need to contact the credit bureaus to dispute the credit pulls and the line of credit that was opened on my behalf without my consent.
Consumer complaint received 2023-09-30
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. (DC)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 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 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 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 XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-07-18
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. (FL)

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.