davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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: SUNRISE CREDIT SERVICES, INC (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scratch Services, Inc. (CT)

On XX/XX/XXXX my husband, took out a loan through Scratch Services, XXXX of XXXX XXXX CA, a XXXX loan. The amount he/we borrowed was around {$8500.00}. We considered this a very small loan and intended to pay for it over six months. 
Email communication with this company has from the start verged on harassment from the beginning, along with nagging for us to give them our checking account number so we could allow them to take the money out of our checking account automatically every month. I, his wife, handle the bills in our house, so I arranged payment. 
The first payment was due XX/XX/2022. Through autopay out of our checking account we arranged to send the company a paper check on XX/XX/XXXX, nearly two weeks before the due date. 
The very DAY it was due, XX/XX/XXXX, he began to get multiple emails from the company saying it had not gotten our check and telling us to enroll in services which would give them access to our checking account, which we didn't want to do. At the same time the company 's email said it took 15 DAYS to process paper checks. 
Multiple emails and phone calls between us and the company followed. I began to feel like this company was not a legitimate company. We talked to multiple people to straighten this out. My husband had to make me an authorized user on the account, which he did. so I could communicate with this company, as I handle the bills in our house. Finally, having the company swearing they never got the checks I sent, I authorized, over the phone, a one-time payment from our checking account for nearly {$1500.00} on XX/XX/XXXX because I didn't want our credit rating to be affected. 

Of course, two days later they found our checks- which my bank account had issued a stop payment on - and cashed them!!!!!! I called about it and Scratch XXXX now says I am not an aurhorized user, that my husband will have to authorize me every time I talk to them. I have owned four houses and have a perfect credit rating, as does my husband, and this is the worse lending company either of us have ever dealt with. I intend to file complaints with every single government agency or website to tell people they would be better off borrowing from any institution than Scratch Services XXXX. It's been an awful experience for a loan that is tiny. After I write this I will pay off the entire loan because I can't stand dealing with such incompetence for ten more minutes.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I'VE CALLED TO FIND OUT WHO WAS USING MY SOCIAL SECURITY TO TRY AND GET CREDIT AND i COULD NOT GET ANYWHERE, SO I REQUESTED PROOF OF THESE INQUIRIES SO THAT I COULD FIND OUT IF IT WAS A FAMILY MEMBER OR SOMEONE I KNOW. 

I CONTACTED THE PLACES OF THE ACCOUNT AND THEY WERE REMOVED BUT I WAS TOLD THE BUERAU HAD TO REMOVE THE INQUIRIES, BUT THEY HAVE BEEN REFUSUING TO DO SO.
Consumer complaint received 2023-04-18
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 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 2023-04-18
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. (OK)

According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesn't seem right, I will be taking action to get it removed. Federal and state law requires you to report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. 
Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take whatever steps are necessary to correct my credit
Consumer complaint received 2024-10-25
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. (MA)

I am writing to formally dispute the fraudulent accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 609. I have identified accounts that do not belong to me and have been opened without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these accounts promptly. Under FCRA 609, I have the right to request the disclosure of the information in my file, and I am also entitled to have fraudulent information removed.

Please be advised that you have four ( 4 ) days to remove these fraudulent accounts from my credit report. I am attaching my FTC identity theft complaint for your reference and further validation of my claims.

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-09
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. (FL)

This involves ( 2 ) fraudulent collections that were placed on my XXXX Credit report and after on my Equifax report. XXXX notified Equifax on XX/XX/2021 that these accounts were fraudulent, and removed them. 

XXXX - I called and spoke to the fraud department ( so I thought ) and also asked to remove these collections as they were not mine. 

XX/XX/2021 - I called and they refused to remove the accounts and refused to give me proof that they were mine. 

XX/XX/2021 - A representative admitted that there was no response from XXXX XXXX XXXX on the collection disputes and said she had to resubmit the dispute - see attached. I asked for a supervisor. 

XX/XX/2021 - XXXX - employer ID XXXX a supervisor from Equifax has refused to transfer me to the fraud department. He also claims that there was a response and that it was mailed to me. But I never received anything via mail or email.
Consumer complaint received 2021-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

I have reported Navient in the past. This week my student loans ( both Federal and Private ) with Navient have come up due for payment as my deferment/forbearances just expired. They start calling at XXXX XXXX  and continue to call every 30 minutes from different numbers in an auto redial fashion. I am at work at a XXXX and my job can not be interrupted repeatedly every day in this manner. They are not even leaving a voice mail just continuously calling me.
Consumer complaint received 2021-07-09
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: Experian Information Solutions Inc. (NJ)

Experian is reporting a student loan account from XXXX that was originated in XXXX. I have repeatedly requested verification that the account is mine - a signed contract, a promissory note, ANYTHING. I have disputed this account four times and every time get the standard " Verified '' from Experian without the method of verification I requested, without supporting documents, and without a human being reaching out to me. Both XXXX  and XXXX  did their due diligence and deleted the account - I sent Experian proof of this in XX/XX/XXXX and requested they follow suit. They once again ignored this request and auto-verified the account without requesting any proof from XXXX. I NEVER put my signature on a promissory note for an account from XXXX. I challenge Experian to provide ONE shred of evidence that this is my account. If they ignore this fourth attempt to remove this error my only other recourse is a lawsuit in which the discovery phase will require they provide said proof. Experian holds a lot of power over consumers and it is their duty to contact data furnishers like XXXX to validate my claim that this is not my account. Please provide me evidence or delete as this account is highly injurious.
Consumer complaint received 2024-10-25
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)

Request for Deletion of Inaccurately Reported Charged-Off Debt from XXXX XXXX XXXX XXXX 

To Whom It May Concern : I am writing to formally request the deletion of an inaccurately reported charged-off debt from XXXX XXXX XXXX that appears on my consumer report. XXXX XXXX XXXX has refused to issue a 1099-C form for this charged-off debt, stating that the debt remains my responsibility despite being reported as charged off on my consumer report. Their response to my request for accurate reporting under federal law remains unsatisfactory. 

Please note that I have previously filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issue. XXXX XXXX written response to the CFPB, which I have attached, confirms that they " can not accommodate my request for a completed 1099-C form '' and assert that the debt remains my responsibility. This failure to issue a 1099-C contradicts XXXX XXXX reporting obligations under IRS Code 6050P, which mandates that canceled or forgiven debts be reflected in consumer reports with a corresponding 1099-C form issued to the debtor.

Furthermore, under the Fair Credit Reporting Act* ( FCRA ), 15 U.S.C . 1681s-2 ( a ), creditors have an obligation to report information accurately to consumer reporting agencies. By declining to provide a 1099-C for the charged-off debt while asserting that I still hold responsibility for it, XXXX XXXX is presenting an inaccurate and misleading report of my credit history. I request that this charged-off account be removed from my consumer report to maintain the accuracy and integrity of my financial record. 

Please find the attached CFPB response from XXXX XXXX XXXX for your reference in supporting this deletion request. I appreciate your prompt attention to this matter and am available to provide any additional documentation if necessary. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank decided to close ALL of my credit accounts with them. Mastercard, Amazon, Gap, Paypal Credit. I had never missed a payment and always paid the balance in full each month. My primary cards were the Mastercard and Amazon. 

I was using the Mastercard to pay legal fees ( $ XXXX worth ) because it gave me 2 % cash back on purchases. The card only had a {$12000.00} limit so I would submit a payment from my bank before the grace period was due on the card. Once the payment cleared and my credit was available, I would submit another amount to the attorney office. 

For purchases in XX/XX/XXXX, this was {$22000.00} and my account statement was $ XXXX. After this statement, I made another {$12000.00} in purchases and cleared the balance with a payment of {$11000.00}. At which point Synchrony decided to close all of my accounts. 

On this account I was forfeited the 2 % rewards on the last amount of {$12000.00} x 2 % = XXXX My Amazon account was closed with a rewards balance of {$120.00} My total lost rewards : {$360.00} The reason Synchrony gave me for closing my accounts : Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay However I was paying the balance in full each month. I even gave them a copy of the invoice I was paying as well as a bank summary showing that I had the money to pay the fees.
Consumer complaint received 2021-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I XXXX XXXX On XXXX XXXX noticed on my credit report from XXXX  and XXXX  that there were unauthorized credit inquiries with this company ( COAF ) This company on XXXX XXXX did not have permissible purpose, my written authorization to run my Social Security Number to establish credit, with their company they ran my credit 3 times on this day creating 3 different inquiries.
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

Accounts : Radius global XX/XX/XXXX {$160.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and account are in violation of 15 usc 1692g under section 5 ( b ). The account and inquiries are a result of fraud and identity theft and by law must be removed since they can not be legally validated. As the consumer and original creditor I do not validate or own these fraudulent items on my credit report. I have contacted XXXX  about reporting these items on my credit report and they were vague and dismissive.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (MI)

Target card services has been reported on my credit report since 2018 ( I think ). I never opened the account that I am aware off. I spoke to XXXX  who advised me to send target card services a handwritten letter ( which I did ) I asked for a copy of the contract and statements leading up to the balance owed. I have yet to receive this and they continue to negatively impact my credit. I spoke to Target card services a few times and they stated they received my hand written letter and are investigating the account. When I called this morning Target claims they dont see my hand written letter of dispute. I want this off my credit report until I receive validation of this account ( specifically a copy of the contract and statements )
Consumer complaint received 2021-07-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Point Financial Corporation (GA)

I keep receiving harrassing phone calls from a mortgage lender Homepoint about late payment on a mortgage they just bought of mine, no payments have ever been late, it is setup for autodraft from there own website portal. 


NMLS ID : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX C/O Licensing XXXX, IN XXXX Phone : XXXX Toll-Free Number : XXXX Fax : Not provided Website : XXXX Email : XXXX Other Trade Names More Info : Home Point Financial ; homepoint Prior Other Trade Names More Info : XXXX XXXX ; XXXX XXXX XXXX ; Maverick Funding Corp. ( legal name ) ; XXXX XXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX Names More Info : Maverick Funding Corp ; Maverick Funding Corp . 
Sponsored MLOs More Info : 150
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

MrCooper engages in misleading business processes in processing customer mortgage payments. When my mortgage was transferred to MrCooper I made my initial payment/interest payment on XX/XX/2021. MrCooper sent me a notice that I could initiate automatic loan payment procedures. I establish the automatic loan payment and MrCooper within days took another payment from my checking account. Thereby I had paid principal and interest through XX/XX/2021. On XX/XX/2021 MrCooper made another automatic payment from my checking account, effectively taking my principal and interest payment yet another month in advance through XX/XX/2021. 

On XX/XX/2021 I engage MrCooper support personal and asked for a resolution, stating I think it unfair that MrCooper take advance payments and hold my money for months in advance. MrCooper personal offered that they would within 24 hours apply the XXXX interest to principal, which I accepted. On XX/XX/XXXX, I used MrCooper on line chat feature and the MrCooper representative said the transaction would be applied with 24 to 48 hours of the date the request was made. On XX/XX/XXXX, I again engaged MrCooper and they said the transaction would be completed within 5 to 7 days of when I had made my initial request.
Consumer complaint received 2021-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

- XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. 
I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX pulled my credit on XX/XX/XXXX & XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- Capital One Bank pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

-XXXX XXXX/XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response.