davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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: SUNRISE CREDIT SERVICES, INC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX  and XXXXXXXX XXXX XXXX Dear XXXX, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under XXXX, XXXX, XXXX XXXX. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX XXXX  emphasizes the necessity of consumer consent for credit reporting. Furthermore, XXXX XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable XXXX XXXX XXXX. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX XXXX. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX  XXXX, The claim # is : ( XXXX2022-XXXX  ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXX XXXX ( Finance ) delete it from my credit report, XX/XX/, 2022 Hard Inquiry : XXXXXXXX XXXX ( Finance ) delete it from my credit report, XX/XX/2022 Hard Inquiry : XXXX XXXX XXXX  ( Bank ) delete it from my credit report, XX/XX/, 2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (CA)

This is my refilling of complaint to XACTUS, LLC for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. 
As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX. 

As per the bureaus you should inform and notify them that the inquiries should be block or removed in my credit reports.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (MA)

I found out about a collections account through my credit report from a Waypoint Resource Group. I have never received any notice in the mail, email, telephone, etc. about this debt. The debt is from XXXX XXXX. I have not been a customer of either of the two companies, and I have never entered into any written or verbal contract with Waypoint Resource Group. There should be no debt owed on my part in this situation, which is causing adverse reactions on my credit file and preventing me from obtaining credit.
Consumer complaint received 2023-10-26
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: SYNCHRONY FINANCIAL (PA)

On three or more separate occasions, during the 3+ years that I have had the Amazon credit-building store card through Synchrony, I have attempted to reach out regarding the clear and evident lack of reporting in regard to my credit score. The card is touted to be a starting point for growing your credit, and they advertise reporting to all three bureaus, yet after 3+ years I still have no credit score and none of the major bureaus have any information nor knowledge of my credit account through Synchrony. I allowed the standard 2 years to pass, after which reports should have started to show up, yet even after this- and reaching out again to request proof that reporting IS being done- I was only given the same vague assurances that they are indeed reporting when it is clear that they are not. Each time I've called in, they have also failed to document my complaints, as each new customer service representative was unable to find any logged complaints or details of my prior calls. Due to this, the past few years that should have served as the foundation for my credit score have been wasted, leaving me woefully behind and causing a number of issues in my financial life.
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (AL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP (SD)

l applied for a loan and was denied I contacted their underwriting department to fix a false and misleading denial of my unlimited credit based on title 15 subsection 1611 they have refused to fix this issue and is in violation of this title under federal law I have tried everything when I call they transfer me to the wrong department every time just trying to avoid me the company is U.S BANK
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc. (PA)

I do not have a oral agreement nor a contract with Prof Debt, this account is a charge off, the orginal creditor should no longer be reporting a balance on my credit report. Both the original creditor XXXX XXXX and debt collector Prof Debt are showing a balance and that is considered inaccurate reporting and a violation of my consumer rights. I have disputed this accounts multiple times with both XXXX and XXXX due to many inaccuracies and all they did was update the violations and claimed that this account was verified without proof.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CT)

Have taken steps to verify where this debt came from as I have recently paid off most debt I have and I can not find where the debt is from. Website for the company has multiple reviews stating this collector is a scam as well as too much personal information required to set up an account with the collector. When Calling the company to settle, goes to a recording and can not get ahold of a real person to find out where this debt is " owed ''. Never received notice of this debt other than credit karma showing it as owed.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I filed a claim with Wells Fargo after I found my debit card was missing. At this time I noticed 3 transactions for sure that I did not make and 1 transaction I was unsure if I made before misplacing my card. These Transactions totaled {$260.00}. This claim was then handled by the Wells Fargo Claims Department, which at the end of the investigation denied the claim in its entirety due to my PIN number being used on a transaction. The transaction which my PIN was used on, was the transaction I was not 100 % sure if I had made or not but later realized it was me at a convenience store.

After they denied the claim I reached out and asked if they could reinvestigate as I found that there was a mistake on their end. I was told to contact the Escalated Complaints department and I filed a complaint with them. During this time I reached out to two of the establishments which transactions were made at during the time my card was missing. The owners were gracious and provided me with receipts with a signature that was not mine as well as footage of a person other than myself using my card in their establishments. This is the job I thought the Wells Fargo Claims Department would have done during their investigation. 

On XXXX/XXXX/XXXX I received an E-Letter from the Escalated Complaints Department further denying my claim, due to the PIN number being used at the convenient store prior to my card going missing and being used almost an hour away. 

I have tried to give Wells Fargo the information from the businesses I have contacted but they have not reached out to me to get this once it is mentioned. I have done their job for them and proven my card was taken and that the transactions were not legitimate and need to be handled by their institution. Every time I reach out to Wells Fargo for assistance or to ask questions about this claim I am met with HOSTILITY. I have been a Wells Fargo account holder since XXXX and will most certainly not be continuing my tenure with the institution if things are not handled better.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (SC)

I opened an account with Kikoff. The agreement was for XXXX dollars a month for 12 months. I paid on time and completed the agreement. Since the time that I started the account, I have changed emails, phone numbers and I do not have access to the old Kikoff because when I was done I deleted the app. They continue to charge my bank account XXXX dollars which is XXXX dollars more than what I was paying before after I was done with the one year agreement.. I did not notice they were still charging my account until I switch banks, and Kikoff reported I was over 30 days late. I finished my 12 months XXXX dollars a month agreement and they continued the account after I completed it and increase the amount to XXXX dollars. It is not about the money I have money, but I had a perfect payment history for the last XXXX years of trying to build my credit and now I have a late payment 30 and 60 days more because I can not make a complaint with Kikoff directly because I no longer have access to my old phone email or app information and when you go on to their site to complain they want a account number for you to submit a ticket for a complaint. So I cant resolve it through them. I contacted the XXXX XXXX XXXX and Kikoff repeatedly sends the same that they are legally obligated to report the correct information and they are not responding to my particular situation. Theyre giving a generic response.. I dont see how they can charge me for being late when they kept the account going for longer than I agreed when I finish the one year and close the account. So I have no way of logging in for a complaint. I have no way of talking to a real person at Kikoff, and they have now made my credit go down for late payments when I had a perfect credit history for the last XXXX years. It is ridiculous that you can not reach anyone or do anything when you are locked out and have none of the same information you had when you open the account year or more prior. I would like them to remove this from my credit history because I have not missed any payments on any of my bills. I have a good income and I do not care about paying a little XXXX dollars a month but I do care about them, being con artist, and charging me after my account was complete. Without my knowledge I just did not realize it until I switch banks, and they no longer were able to take the money out without me realizing, somebody needs to stop this and I need this handled
Consumer complaint received 2024-08-14
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. (NY)

This account was closed due to identity theft reported to the FTC under XXXX XXXX XXXX XXXX and closed. It should NOT be reporting negatively on my reports. PLEASE DELETE COMPLETELY FROM MY REPORT IMMEDIATELY!
Consumer complaint received 2023-11-21
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. (NY)

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 XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northstar Location Services, LLC (NJ)

I'm unaware of this debt, I didn't have an opportunity to dispute this information. I didn't receive proper notification. If in fact you believe you gave me proper notification, please provide certified mail with a receipt my signature on there stating I received it.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (CO)

I was notified by phone on XX/XX/XXXX that my mortgage had been transferred from XXXXXXXX XXXX XXXX Truist Bank. I would pay XXXX on XXXX and begin paying Truist on XXXX. A few days later I received a welcome letter from Truist Bank. I then received an official notice from Truist Bank about the transfer of service dated XX/XX/XXXX. Just last week ( XXXX ) I received a statement from XXXX saying I owed money on XXXX. After receiving this statement, I called XXXX on XX/XX/XXXX to confirm the loan had been transferred, as I never received a " goodbye letter. '' On XX/XX/XXXX, after speaking with several individuals at XXXX, I was told the loan was still active with them. After this call, also on XX/XX/XXXX, I called Truist, and Truist told me that my loan is active with them. I only own one property, and both companies are claiming they have my loan. When I returned from work on XX/XX/XXXX, there was a statement in my mailbox from Truist with a due date of XXXX. On the morning of XX/XX/XXXX, I called Truist again seeking information about who initiated the transfer. At first they would not say, but they eventually told me XXXXXXXX XXXX my original broker, had transferred the loan to them. To summarize, XXXX XXXX and Truist Bank claim to be the holders of my loan, and both entities claim the loan was transferred to them by XXXXXXXX XXXX. XXXX XXXX has been fairly helpful in trying to solve this problem and has escalated it in hopes of getting an answer. XXXX MXXXX is also working to see where the error lies. Please let me know what the best course of action is, as I do not want to risk foreclosure over a loan that, for all intents and purposes, seems fraudulent. Thank you for your time.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I am an XXXX XXXXXXXX XXXX  since XX/XX/XXXX. The Servicemembers Civil Relief Act ( SCRA ) allows service members to reduce the interest rate on mortgages to 6 % for one year after XXXX XXXX if the mortgage was taken out before entering service. The 6 % cap applies from the first day of XXXX XXXX and any interest above 6 % is permanently settled. The service member 's monthly payment must be reduced by the amount of interest saved during the covered period. 
I applied for the SCRA benefit on XX/XX/XXXX and on XX/XX/XXXX the SCRA benefit was approved, but the approval letter didn't mention about any changes on interest rate. I had my wife XXXX XXXX called customer represenative on XX/XX/XXXX and after a few minutes of brief hold, she told my wife the interest rate will be adjusted to 6 % for the coming month. Since the mortgage payment is deferred, the principal and interest in XXXX is due XX/XX/XXXX, so we assumed the payment will be adjusted to 6 % for the XX/XX/XXXX due payment. However it didn't change a bit. I haven't received the XX/XX/XXXX due mortgage statement yet, but I called on XX/XX/XXXX and customer rep told me " nothing will change on the interest rate ''. This is clearly against the SCRA law. The mortgage was obtained in XX/XX/XXXX which is way before my XXXX XXXX service started. According to the law, loan servicer is required to reduce the interest rate to cap at 6 % from the date I entered XXXX XXXX service. We still pay the same amount mortgage. I had applied SCRA benefit to my other loans like car loan, the loan servicer automatically applied the over-paid interest to reduce the principal and dated back to the date when my XXXX XXXX service started. I'm expecting SPS Service shall do the same.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX