davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Subject : Cease and Desist - Credit Reporting Issue Dear sunrise I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with sunrise with accounts number XXXX believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I have had numerous energy accounts opened in my name in texas since XXXX  recently i recieved a collection letter from resurgent collection agency from a co called XXXX XXXX  XXXX  XXXX this is not mine names appear in my credit report addresses from texas i have never been or know anyone in texas please help
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

My brother sent me a transaction through Zelle all information was correct money left his account and never reached my account XXXX XXXX Zelle and XXXXXXXX XXXX all pushed the responsibility to the other entity and treated me like I was XXXX  for money not received no notification money just disappeared from brothers bank acct and didnt reach my bank acct all info can be verified through bank records all contact info was correct. No refund option was offered I can not afford to lose {$1000.00} through a banking transfer error
Consumer complaint received 2024-10-22
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: WELLS FARGO & COMPANY (FL)

refusal to approve credit card application after obtaining steller ratings on XXXX. 
Denial reasons provided are both invalid based on XXXX. report escalated to executive level case # XXXX. 
XXXX  score XXXX XXXX open credit card in 4 years limit XXXX. 
never late. never an interest payment paid. 
never refused credit XXXX XXXX  years. 
no mortgage XXXX annual income no credit problems EVER WHATSOEVER
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (AZ)

I contacted the company multiple times in order for them to send me the Identity Theft Victim 's Complaint and Affidavit form. 

Once I received the form, I signed it and sent it to the email provided along with evidence supporting my claim ( XXXX ). I sent the email and the attachments on XXXX XXXX and I received an automated email from the same email letting me know that my email was received. 

The email claimed that I would get a response back within 30 days and as of right now, XX/XX/year>, no response has been received. 

I even called XXXX XXXX ( XX/XX/year> ) to see if they needed any additional information and to get a status update and the agent was rude and disrespectful.
Consumer complaint received 2024-09-26
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. (NY)

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 2024-09-26
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. (NC)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Reporting credit agency EXPERIAN FICA score is too low compared to XXXX and XXXX. Experian reports a score of XXXX while XXXX and XXXX report an average of XXXX. Experian is miscalculating my score otherwise their FICA would be much closer to XXXX. I have asked them to confirm and they have refused. I want them to issue the correct score and not punish me.
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am filing a formal complaint for resolution and damages against EQUIFAX. The matter should have been a very simple and straightforward. My credit rating is high and stable, but for personal security reasons I want to have my credit reporting frozen. I have had no issue accomplishing this with XXXX promptly and easily. However EQUIFAX has been unprofessional and is failing in its basic responsibilities to consumers on whom it holds and disseminates personal information as the basis of its business model. But this also brings responsibilities, which EQUIFAX seems to be completely ignoring, including specifically its legal duty to provide consumers with effective and prompt means to have their credit reporting frozen on request. Over the last XXXX hours EQUIFAX has XXXX ) failed in its supposed online option for consumers to freeze reporting because its online system is currently not allowing this to be processed ; XXXX ) failed in its supposedly automated phone mehod for setting up a freeze because its phone system of prompts turns out to be completely faulty and unusable in that it presents consumers with scrambled bot voice prompts that make no sense and are also non responsive ; and XXXX ) failed in its basically non-existent human telephone support where consumers are first placed and kept on hold outrageously long hold times ( XXXX ), and then when finally put through to a human agent having the requestdenied and being referred back to the electronic options even though these do not work, while moreover being refused access to speak to a supervisor or XXXX for resolution on the basis that this is " not part of our operations ''. ( It raises the question, what in fact are the operations at EQUIFAX? And it seems that it is to use consumer data whilst completely disregarding consumer rights ). Certainly I have kept a record of what has happened today, and can further substantiate each of the XXXX failures above in more detail as required. The fundamental issue is that EQUIFAX runs a commercial business with personal data on individual consumers like me, yet is clearly failing in its concomitant duty toward consumers to offer effective and professional ways for consumers to have input over how their personal data is to be used or not used. We do not live in a society where corporates can abuse the rights of consumer with impunity. Again, XXXX has acted promptly and professionally, and so should EQUIFAX, and when it does not it should be held accountable for its failing.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

signed up for new card, setup on autopayment, error on lenders side auto payment in full fell off. they charged me a {$29.00} late fee. i requested a refund and denied. i paid the bill in full and setup auto pay again. same issue occurred again and late fee was charged again for {$40.00}. they fail to accept their fault on auto payment in full going through.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

I received a rollover check XX/XX/24 from XXXX in XXXX and by mistake deposited XX/XX/24 to the wrong bank, First Horizon where we live in XXXX. I was on my way to prep for XXXX, was anxious and didnt look at the check that was addressed to XXXX. In the past month I have made XXXX trips to First Horizon, XXXX trip to XXXX, multiple phones calls to the bank and XXXX phone calls with XXXX. I have made multiple attempts to correct this issue including their fraud department with XXXX XXXX XXXX. XXXX XXXX is refusing to return the {$6100.00} check even though I confirmed that my original XXXX XXXX XXXXXXXX is still active. I connected directly with XXXX benefits XXXX who spoke to First Horizon and still refuse to send me my money. Please tell me what I can do. Im a XXXX patient and that is my safety net money to put away. I await your response. Thank you. 

XXXX XXXX
Consumer complaint received 2024-10-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FIRST COMMUNITY MORTGAGE, INC. (MI)

I had been denied from 2 other mortgage companies to purchase a home. Listing agent wanted me to get a 3rd opinion from her preferred lender which at the time I was not aware they were close/best friends. 

In good faith I sent lender all my personal information to overview the file. And ask to not run my credit if there wasn't a good chance at getting approved. After reviewing the file, he verbally told me over the phone that I wouldn't qualify for a conventional loan. He then told me that he had a non-qm bank statement loan with similar interest rates. I sent my bank statements in good faith not knowing this was a trap. 

Before lender got back to me, I sent in writing that I didn't want him sharing any of my personal information, finances, options or anything pertaining to me with anyone. 

Lender than asked me to send him my XXXX XXXX XXXX  1099 's. I called him, he didn't pick up and texted him to call me but didn't get a response. A few minutes after not getting a response I texted lender that I didn't want to look at any alternative options anymore. 

After receiving this text from me he kept on being very persistent that I would be approve with a conventional loan. I repeatedly told him I was no longer interested and yet this lender kept messaging me and even provided a " conventional pre-approval letter '' but leaving out bank statement non-qm loan wording out. On this email he states that he still needs a hard credit pull and an application signed. 

A couple days later I received an email from listing agent with this " conventional pre-approval letter '' demanding I close on a house I don't qualify for because this incompetent lender shared my personal finances and violated my confidential privacy as a consumer.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

The clause : " You have received a bonus for opening a Wells Fargo Premier Checking account within the past 12 months ''. 

is ambiguous and is not clarified in the clause. 

I understand it as for opening a Wells Fargo Premier Checking account within the past 12 months, meaning 12 months period only is about the date of opening the account. - i.e. the 12 months restriction period starts on this date, and 12 months from that date one is eligible for the promotion again. 

I had contacted SIX Wells Fargo bankers, and they all confirmed my Interpretation of the clause, specifically that 12 months from the date of opening the previous account one is eligible again for the promotion. None of them stated it has anything to do with the actual date of bonus posting. In fact they stated a similar clause for the savings should be interpreted the same way only the account opening date matters. 

Many other banks use the same clause, with the same interpretation. Some clarify it in the clause itself, which is obviously preferable. I always contact the bank representatives to clarify the clause before proceeding with the promotion, and their interpretation was always honored by the bank. So it seems to be more or less a universal interpretation. 

Please clearly confirm that the interpretation I received from the six Wells Fargo bankers is correct.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (AZ)

I sent a letter on XXXX asking resurgent capital services to validate an alleged debt that I noticed on my credit file from XXXX XXXX XXXX XXXX. I also ask for resurgent capital services, XXXX. to cease and desist.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (UT)

My deceased ex-husband had a credit card account with XXXX Bank since XXXX. We were married in XXXX, divorced XXXX. According to the divorce we both assumed responsibility for bills in our name. This account was never in my name until his death. I never received any information on this account or used this account. I only found out about it when I was denied a loan last week. I 've had excellent credit with a score of XXXX, that fell to XXXX after they attached my name to this account. XXXX has given me the run around. They refer to me as the primary cardholder, yet they wo n't give me any information or have ever sent me a bill. This is not and NEVER has been my account, but now my credit is ruined because they attached my name to this account. XXXX tells me this will stay on my credit report for 7 years. This is not right. If they hold me responsible, why was I never contacted?
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

To Whom It May Concern : This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, per XXXXXXXX XXXX XXXX  Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

Hello, my name is XXXX XXXX XXXX. I noticed a charge-off on my credit report for a debt of {$5500.00} from XXXX XXXX XXXX XXXX that I do not recognize. The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. After contacting XXXX XXXX, I was informed that this debt is related to a co-signed account. However, I have never co-signed for anyone, and I believe this is a case of fraud. I am requesting that this charge be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (FL)

BMO XXXX loan. Paid in full on XX/XX/year>. Over paid {$250.00}. 
On XX/XX/year> they withdrew the auto payment amount of {$1600.00} from my checking account at XXXX XXXX. 
Contacted them online XX/XX/year> and inquired when they will pay me back. They blamed me for not canceling the auto payment. I paid off the loan in full! I have to cancel auto payment too? I see that as there job not mine. I feel I have met all my responsiblity to them, all payments on time. So they took {$1600.00} from me even though the loan was paid off a full week before.

They refuse to wire the money back to me. Stated I will get a check in 2-3 weeks. I need the money now to pay bills.

I consider this unfair business practice that is harming me since I need the money to pay other obligations, which I fear will go late and negatively impact my excellent credit.

They took my money by wire transfer. Why can't they send it back the same way?

I also called them last week, not sure what day. Representative told me it will be " bounced back to me don't worry ''. Still no payment, no email, poor customer service.

Also still do not have the overpayment reimbursed either.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (TX)

Ive received maybe four calls and four text messages from Spring Oaks Capital claiming I have debt from XXXX XXXX  Ive asked for written verification of the debt and to only contact me via mail moving forward and they continue to call. They have my name, phone number, all of our mail is forwarded from previous addresses, and the debt does not even appear on my credit report because it can not be substantiated. I have two collections on my credit report, neither of which are Spring Oaks Capital.