davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OH)

On XX/XX/XXXX, I received correspondence from Sunrise Credit Services , Inc., asserting a past due amount of {$12000.00} allegedly owed to them by XXXX XXXX Per their communication, my name and Social Security Number were linked to this purported debt. However, I adamantly declared this as fraudulent activity, emphasizing that I have never been a XXXX XXXX XXXX XXXX and have not authorized the use of my personal information for any educational financing. 

In response to their notification, I promptly contacted Sunrise Credit Services on XX/XX/XXXX, to dispute the claim. Following their advice, I filed a police report and submitted an Identity Theft Report through the Federal Trade Commission ( FTC ). All required documentation, including the FTC theft report, the police report, and a comprehensive letter outlining my entitlements, were sent to Sunrise Credit Services on the same day.

Regrettably, my attempts to seek resolution have been met with silence. Despite several follow-up attempts, the agency has failed to provide any meaningful information or acknowledgment of my documentation. On XX/XX/XXXX, during a follow-up call, a representative claimed ignorance regarding the status of my case and promised to escalate the matter to their manager, XXXX XXXX XXXX 

Disconcertingly, when I contacted Sunrise Credit Services in XX/XX/XXXX, no additional information was forthcoming. The lack of communication persisted until XX/XX/XXXX, when I received another collection letter. Despite my continued efforts to resolve the issue, including phone calls and inquiries, the agency has remained unresponsive. 

In a recent conversation with a representative, I raised concerns about the agency 's non-compliance with the federal Fair Credit Reporting Act, citing their failure to provide requested documents. Shockingly, the representative asserted that my request for documentation implied acknowledgment of the debt 's legitimacy. This distorted interpretation further underscores the incompetence and lack of adherence to regulatory guidelines exhibited by Sunrise Credit Services. 

Given the protracted nature of this unresolved matter, spanning almost three years, I am compelled to bring this case to your attention. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action to ensure the rights and protections afforded by law are upheld.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SANTANDER CONSUMER USA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX. 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 an 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 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (HI)

Chase Bank closed all 3 of my credit cards. They claimed to have mailed me a SA89 form to verify my social security number. I never received a letter or any messages or alerts on my Chase online account. It has been XXXX months since I downloaded a SA 89 form online and faxed in my social security information. It has NOT been resolved and every time I call, I can getting transferred to different departments and most of the time, no one knows how to resolve the issue.
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX  XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX, XXXX Account # : XXXX, Account name : XXXX  XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, has violated my rights. 

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account XXXX : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX 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 2018-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2018, I made an online wire transfer of {$10000.00} from a XXXX bank account I have to XXXX XXXX XXXX, an online foreign exchange trading company officially named XXXX XXXX, XXXX. My intention is to make a transfer of US Dollars to an account in Euros I have in XXXX. The USD wire tansfer was made to XXXX XXXX via an account they have with XXXX  XXXX XXXX in XXXX. They supplied me with this account router and account number and bank address by email. After my XXXX account was debited the same day, I tried to contact XXXX Transfer for help with exchanging my {$10000.00} into Euros and having them sent to my account in XXXX. Nobody knew what I was talking about and they bounced me back and forth from an agent to another for hours. They were not aknowledging the receipt of the funds for a couple of days and finally my page with their website showed that I have {$10000.00} available for transfer. However, nowhere on the platform can I use these funds for transfer. The only options they have is to pay with a new wire transfer or a new ETF out of an external account. I am now back with them to get help with my transfer or get a refund. The back and forth went on for another week with no result. Now two weeks later, I am still trying. My XXXX bank rep is telling me there is nothing they can do since I initiated the wire myself online. I threatened to get in touch with the FBI. I really don't know what to do.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Reported ID fraud. Synchrony bank/Amazon card found in my favor. Sent me new card, also punished me by slashing credit limit in half. Received new card, charges from fraud transfered to new card, synchrony says by mistake, but offered no info why halving limit. While awaiting mistake to be removed, Synchrony Bank reported to credit bureau first XXXX  days late, then XXXX days late causing XXXX points to be removed from my credit score. Called half dozen additional times and told by fraud dept they would fix it. In meantime card fraud balance is accumulating late fees and interest fees in addition to " over limit fees ''. Live chatted with customer service online only to get harassed about making a payment. Next day notified by credit reports that Synchrony has closed the card, which will cause future score changes I'm sure. Very humiliated by several customer service reps in the fraud and billing depts
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (VA)

this company tried to contact me at my old contact information - I never received any calls or mails from them. They then added the item to my credit report without giving me the ability to dispute the charge. i did not owe XXXX XXXX for that amount of money since I had stopped services and they continued to charge me. 

I would of disputed the charge. However - I paid it off just to get it removed off my credit even though it was invalid. This agency did not work with me to remove this off my credit report and being able to dispute the charge.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have an address that is showing that is not my address ... nor have I ever lived at this address .... of XXXX XXXX XXXX XXXX XXXX nc XXXX. although this is what is showing on my credit report ... .. my real address that I have been at since XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ... .. please update this asap. 

XXXX XXXX dob. XX/XX/XXXX. XXXX social having difficulty getting this information to you to be updated.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

EQUIFAX and XXXXXXXX XXXX are violating my consumer rights by reporting a late payment for the Account # XXXX and dates XX/XX/year>, & XXXX and that they have not proved to be verified as accurate. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. I called Equifax and tried to fix the matter but was unsuccessful.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (AL)

I was never contacted by Aldous & Associates about my debt. It was not until the Fall of 2023 that they first contacted me by phone and I asked them to send me information about the debt ( which had been sent to collections in XX/XX/year> ) and they claimed they would send me information but this never came. Because they didn't contact me I assumed there was a mistake, but when I applied for a loan and was denied I realized the debt still in collections. I had to get a credit report to find out who the debt was with and then call them to request information about it. The person on the phone said it would not be worth disputing and that he was sorry it happened and then asked me to pay in full. It is not an unreasonable amount, but I was given no information about this debt at all, which solely falls on the shoulders of Aldous & Associates. I know they are making a profit from my debt so the least they could do is help me to reach a settlement.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

I was contacted by First National Bank of Omaha about Best Western Mastercard opened in my name that they suspected was fraud. I received the card, but upon contacting the bank they had said person had tried to call and re-direct card to Florida address. No charges were made against the account and card was closed. Want to make sure safeguards are in place to help stop this in the future.
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

I am still a full-time doctoral student finishing up my XXXX. It was my understanding that my subsidized loans ( all of my remaining federal loans ) would not accrue any interest while I was in school, and that repayments and interest would begin 6 months after I graduated. But I will likely graduate in XXXX, and I just had interest accrue and loans auto-payed this week. This never happened with my previous servicer, but Nelnet seems incompetent. I am sure they are buried with loan repayments beginning again, but their system itself seems poorly designed. They are the only company I have heard of in the age of dedicated apps who actually discontinued theirs, when their website is not exactly good. I have no idea why the federal government would contract with such a XXXX company in the first place. I have heard many other horror stories.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AL)

I was sent money from a friend {$360.00} dollars I tried transferring the money into my bank on XX/XX/23 and it kept giving me an error message the same day I received a email from venmo telling me my account has been frozen that my identity needed to be verified. A photo id was sent and I was told that it was received. Yet I have not been able to access my funds at all. I have bills to pay and I am reaching due dates for all bills and can not pay them because the refuse to give me any information on why my account is still frozen after I have sent all documents needed to verify me! I emailed Venmo team and every time I email them I am emailed back by a different person who claims they can not help me that it is up to the XXXX department to unfreeze the account now they are ignoring my emails and I have not heard back from any team member at venmo about my funds!
Consumer complaint received 2024-05-06
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. (MD)

I just tried 3 times to call the customer service number off of their website. There is a lot of information missing off of my credit report, just like XXXX. The automated system on the phone says that they are only able to transfer me to a live agent in minimal circumstances. Um, my credit report is messed up beyond recognition and there is a ton of information missing causing me to not be able to obtain any financial anything at all. Causing massive interest rates and causing credit denials. 

An IT person needs to restore my credit file. Like I said, there is a ton of credit worthy information missing off of my report. That includes but is not limited to : Prior auto loans Mortgage Credit Accounts If the rep can not see it on my file, then someone deleted everything previously there. If a rep can see my file with these items on there, then it is not visible to me and the credit grantor. 

I can not get anyone on the phone to fix the issue. 

I can not obtain housing. I can not obtain credit. I can not obtain business or personal loans. I am being offered severely high interest rates and payments.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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.