davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. ()

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Consumer complaint received 2019-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, I spoke to the following Chase representatives : XXXX ( Call Center Rep ) XXXX ( Unit Manager - Retail Banking ) XXXX ( Call Center Rep ) I contacted Chase Bank in regards to my student loans that were sold to XXXX in XXXX. According to XXXX, the promissory note provided from Chase does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate of 7.2 % instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from Chase Bank 's Archives department and have not received the information. I was instructed to contact XXXX, which is my current loan servicer, as XXXX sold my student loans to XXXX in XXXX.
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Primus Law PC (UT)

On XX/XX/2024 I spoke with a woman who called from number XXXX ( XXXX ) XXXX trying to stop by my house to serve papers. I asked what it was for and she said XXXX XXXX and I told her I hadnt received anything and wanted to know what the debt was for. I provided my address and informed her I had not received any notices of a lawsuit or any information on debt being owed. Then I asked if she wanted to bring the documents she had to my new address and she said shed need to talk to her boss because there are legal notices that I would of need to receive and she wasnt sure what to do. I told her again I hadnt received anything and would like those legal notices to be sent to my new address before any lawsuit is filed against me because Id like to pay it. Which this did not happened. On XX/XX/2024, I received papers for a lawsuit on the debt which I was confused about saying there was {$160.00} owed and interest. I thinking they legal had to send notices before any lawsuit would be actually filed, so I immediately paid it since I had the information I need, who and what the debt was for and I paid the money. Thats all I needed to make the payment. i emailed the payment receipts to the email provided immediately. On XX/XX/XXXX I opened a letter sent to me notifying me a default judgement had been granted and owed now {$480.00} more for a debt paid and had never received any notices a judgement was being considered. I feel violated and taken advantage of. How could this happen? All I did was move and didnt realize I was a perfect one to take advantage of. Now, I have a {$480.00} judgement owed to an attorney for fees and filing. Yet, I never received the legal notice required of the attorney to file the lawsuit.
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (MI)

I have attempted numerous times to resolve this matter from 2019 with no avail disputed the amount t several times but have never been sent accurate verification of accountg amount owed i have also never been offered a settlement this account is hindering my home buying process every time this debt is purchased by a new collection angency it reports as new on my reports and drops my score please help me to fix this matter.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC (PA)

Source Receivable Management, LLC obtained my consumer report under false pretenses without a permissible purpose as required under the Fair Credit Reporting Act. I tried to resolve this issue privately without further legal action by offering a settlement demand in exchange for no further legal action to enforce my consumer rights. I would like to offer this final chance in good faith to resolve this issue. See attached complaint ( draft ) in which I intend to file in Federal Court if we can not reach settlement within 7 days upon receipt of this notice.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (KY)

Sunrise debt collector started contacting me about a supposed debt for {$99.00} from XXXX XXXX. This debt was due to a fraudulent charge from XXXX XXXX. Sunrise has not responded to my attempts at XXXX  and has not provided any way to resolve the fraudulent debt. Despite not responding my attempts at contacting them to resolve this, Sunrise has continued to send messages and make phone calls to collect this fraudulent debt.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (FL)

On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from Experian but still are showing up on XXXX and XXXX. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a space coast open account and a self lender account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (IL)

For a loan that originated on XX/XX/2020, Affirm did not provide any opportunity to select a payment date and, per their own internal policy, has no options to modify the payment plan dates. I reached out to Affirm immediately after the loan originated and received no response. I would learn later that my only opportunity to modify the agreement were in the first 120 days in the form of returning and requesting a refund for the associated purchase. I did not have an opportunity to seek a refund related to this issue, because I received no response. The reason, as communicated by Affirm representatives today, is simply because Affirm created their own policy forbidding it. 

The Affirm web portal is difficult to navigate and does not provide access to the completed loan agreement. In fact, I spoke to a representative today who said they would email it, because I have still not received it for the entire 2 year duration of this loan, advised they could only send it after the chat closed, then did not send it. 

The Affirm web space further has misleading information about options available to someone wishing to change their payment due date. Of note, one page states that they can not change the date, but we are not charged late fees and can pay later in the month. However, it does not state that such an " overdue '' status can negatively impact our credit report, which I was advised of by a representative today, when I asked directly about payment change options. 

Further, Affirm does not maintain a consumer accessible record of any of these interactions. My first email from Affirm did not come until a year into the loan. There is nowhere to see that I attempted to discuss this with a representative. The only record I have is a text file transcript of a chat with a support rep. The format makes it impossible to verify the authenticity, so effectively Affirm provides a transcript they can deny the validity of at will. I have, nevertheless, provided the text transcript as well as screenshots of the issues I identified in Affirm 's consumer facing documentation and the limited internal documents they make available ( a Terms of Service page with no history ).
Consumer complaint received 2024-03-17
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (VA)

I keep receiving daily emails from Halstead Financial Services indicating that XXXX XXXX XXXX is the current creditor. I dispute b/c I dont owe either company nothing, which I dont have a contract with either & I dont know who/what this company is. Its to the point where I feel harassed. I also believe they have also been calling and leaving threatening messages, not only calling myself but has called my son & friend, which is ridiculous. Dispute reason contract cancelled as I dont have a contract. Please remove from credit.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I never authorized peacock account or never use this service Huntington bank authorized without my knowledge authorized my payment peacocks llc {$5.00} cents and charges with handle XXXX. This complaint about fraud and 100 % fraud against XXXX  with XXXX and Huntington bank fail to watch scam transactions Both are responsible to this I need refund and strictly laws apply for against XXXX  scam and XXXX.
Consumer complaint received 2022-06-16
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)

The inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days
Consumer complaint received 2024-03-17
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: CBC Companies, Inc. (NJ)

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have checked the report which your company branch has sent to me, dated on XX/XX/year>. Since another credit report which came from New Jersey state indicated all bank account information, which are checking and saving accounts, I would like your company to include this information into my credit report from your company. If not, I request your company to explain why the credit report company of Arizona State has included them and not yours. 
Also, I seriously wish you will mention my name properly as XXXX XXXX. 

Sincerely,
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

Pursuing to 18 USC 8 owe no debt.This company is violating my consumer rights to privacy pursuant to 15 USC 1681b2 company has also No permission to report ANYTHING using my information pursuant to USC1681 4.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.
Consumer complaint received 2022-06-16
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. (OH)

In accordance with the fair credit report. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681-section 602 States I have a right to privacy USC 1681c section 604 section 2- also states a consumer reporting agency can not furnish an account without my written instructions. USC code 1681 no consumer report containing any adverse items of information other than records of convictions. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-16
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. (OH)

In accordance with the fair credit report. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681-section 602 States I have a right to privacy USC 1681c section 604 section 2- also states a consumer reporting agency can not furnish an account without my written instructions. USC code 1681 no consumer report containing any adverse items of information other than records of convictions. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16
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. (GA)

I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024, I made a purchase at XXXX an Amazon company in the amount of {$1500.00} and did an equal pay promo over 12 months with 0 % interest ( order number XXXX ). The first statement from XX/XX/2024 showed correctly. On XX/XX/2024, I cancelled a different Amazon order before delivery that was charged to me and then refunded the same day in the amount of {$1100.00} ( order XXXX ). The refunded amount was then applied to the equal pay promo from the XX/XX/2024 XXXX order even though this refund was not associated with the order from XXXX. I contacted Chase initially and they said it was Amazon 's issue. I then contacted Amazon through chat and they said it was Chase. I then contacted Chase and Amazon again via XXXX  and phone and tried to get both on the phone to resolve the issue, but Amazon refused to have a three-way call with chase. Amazon said they issued a refund and Chase determines how to apply it. I attached the two credit card statements at issue showing the equal pay promo plan.
Consumer complaint received 2020-11-20
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: Experian Information Solutions Inc. (MS)

On XX/XX/2020, I mailed a letter requesting that inaccurate accounts be investigated that were showing on my credit report. It's been 2 and a half months and I still haven't received a response.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MN)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-20
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: Experian Information Solutions Inc. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX
Consumer complaint received 2020-11-20
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. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX , XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX