davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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. (GA)

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 2024-07-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

Dear Sunrise Credit Services INC, This letter is to formally dispute the validity of a debt you are attempting to collect from me. I am writing to you in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Dispute of Debt and Request for Validation I am disputing that I owe any debt to you, current, or the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) of the FDCPA, you are required to provide me with written validation of this debt, including the purchase agreement between Sunrise Credit Services , INC & the original creditor, amount of the debt, the name of the creditor to whom it is owed, dates of any charges and a signed contract that includes my wet physical signature. Please furnish this information within 30 days of receipt of this letter. My failure to respond does not in any way imply that the debt is valid. 

Violation of Consumer Rights Your collection efforts appear to be in violation of the FDCPA in the following ways : 15 U.S.C. 1692 ( e ) : Sunrise Credit Services , INC has used false, misleading, misrepresentative, or deceptive means in your communication with me.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 ( 7 ) ( A ) : Sunrise Credit Services , INC has furnished or attempted to furnish information about this debt to a credit reporting agency without providing the required disclosures by law.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease and Desist Communication Pursuant to 15 U.S.C. 1692 ( c ), I am revoking my consent to receive any further communication from you regarding this debt. All future communication must be done in writing through the United States Postal Service. Please be aware that the FDCPA allows for statutory damages of {$1000.00} for each violation. 
I will cooperate with a legitimate debt collection effort, but only once the debt has been properly validated according to the law. 
Thank you for your attention to this matter.
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

CEASE AND DESIST ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY, XXXX XXXX XXXX XXXX WITHOUT PREJUDICE
Consumer complaint received 2023-11-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, my savings account was forcibly closed and all interest paid YTD ( {$4300.00} ) was taken away. I called in on XX/XX/XXXX and the customer service representative would not explain why. I then called in on XX/XX/XXXX and tried to find out why it was closed. It was escalated to a supervisor named XXXX and she was no help either. She was not customer friendly. I asked where my money was and she said it would be mailed, but offered no date when I could expect it. I asked to speak to someone else and she said there was no one else. It been 2 weeks now and nothing been received. I am sure a bank of your stature does not have only CSRs running it. Surely, she could have escalated my concerns further. I am totally dissatisfied with your company. 
I sold my business and now have excess cash coming in and I wanted to put it in several high rate saving accounts. Periodically, I check my several banks and move money to substantial higher paying bank accounts. This is exactly what I did in XX/XX/XXXX. 
On XX/XX/XXXX, I tried to transfer out 2 transactions ( {$79000.00} and {$54000.00} ) and they were denied. I called in and explained that I was moving money to a higher paying bank and the customer service representative removed the block. The next day I was successful in transferring these two deposits to XXXX XXXX ( XXXX XXXX ). 
I did not receive anything in the mail about account closure. This would be the most appropriate way to communicate. Email communication would also work. Your company has both of these methods to contact me with. I did receive a voice message on my phone from the fraud department but thought since I did call in and your customer service representative removed the block, all was good to go. There have been no further communications that I am aware of. I felt good about your company since I have a GM Rewards card with you. I have been a customer of the bank since XX/XX/XXXX and feel I should not be treated this way. 
What I want is my money back, my YTD interested credited back ( {$4300.00} which I have earned ), and interest from XX/XX/XXXX to present. I did not do anything wrong. Please take this matter seriously.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Summit A*R, Inc. (TX)

I have ask numerous occasions ( 6 ) for this attempt to collect debt investigated. This is a blantant attempt is totally against my rights under FCRA. Which is recking havac on my credit report.
Consumer complaint received 2024-05-17
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. (NY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I have a good amount of charges that weren't done by me while my card was lost. 
XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX When I filed a claim on these charges I was told that my pin was used for some of them. My pin is not that hard of a pin so when I found out my debit card and my credit card was compromised I made a phone call to chase. After the call and the investigation they said they couldn't dispute it due to the fact that my pin was used and there's no sign of " fraudulent activity '', even though I never made any of these purchases
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I recently requested an updated copy of my credit report. After reviewing, I notice several inaccuracies on my credit report. The XXXX XXXX account is hurting my ability to obtain credit. Credit bureaus like Experian, are supposed to investigate accounts to ensure accuracy. Here is the account that I am asking to verify as accurate or inaccurate : Account name : XXXX XXXX
Consumer complaint received 2024-05-17
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or correction of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-05-17
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. (FL)

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 2024-06-03
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. (PA)

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 2024-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Peritus Portfolio Services II, LLC (MD)

Good day, On XX/XX/XXXX, I purchase a XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX. I just learned that on XX/XX/XXXX, XXXX XXXX  filed for Bankruptcy. See Case No. XXXX In the XXXX XXXX XXXX Virginia XXXX Furthermore, XXXX XXXX XXXX filed a lawsuit against XXXX XXXX on XX/XX/XXXX for non-performance under case number ( XXXX. I made all my payments on time. Now I'm receiving mail form PERITUS PORTFOLIO SERVICES, claiming the current Credit is XXXX XXXX without providing any proof of claim as requested by me. I contacted the Bankruptcy Trustee and was told that PERITUS PORTFOLIO SERVICE do not have any rights to collect a debt on behalf of XXXX XXXX. I don't know where to make my payments and PERITUS PORTFOLIO continued to call and threaten to file a court case against me. I have no other choice in this matter but to file a Adversary Complaint into XXXX XXXX  Bankruptcy Case. I am requesting that PERITUS PORTFOLIO SERVICES, AND XXXX XXXX provide me with PROOF of there claim as I have requested three times from them but to know avail.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (AZ)

This is the " 3rd '' attempt to FRAUDULENT use of my address to purchase an XXXX at a cost of {$830.00} that was mailed to a different address at : XXXX XXXX XXXX XXXX, XXXX. 
Tracking # XXXX Paypal or a Pay Pal hacker is sending these notifications for purchase made. This is a FRAUD AND THEFT
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-17
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. (MO)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year> and. I'm now requesting you investigate the XXXXXXXX XXXX XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-05-17
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. (MO)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> & XX/XX/year>. I'm now requesting you investigate the XXXX XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've always made sure payments on this account are made on time, avoiding any overdue amounts. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-05-17
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MI)

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to the Fair Credit Reporting Act ( FCRA ) Section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.