davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Avant Credit Corporation (IN)

First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. 

I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. 

The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. 

I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. 

We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. 

Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from AVANT and the account numbers are the same l, but the dates do not match. 

The debt buyers date is listed as after the possible loan.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried multiple times to log into transunion website only to be stopped with multiple up sell tactics in order for me to receive/request my credit report. so that I may begin to try and work on certain information within it. Their site has set within it, various add-ons that prevent the average consumer access to logon with many distractions. I can not file a complaint with them because I can not get past more expensive products being hocked from their company. What with the more than over XXXX or XXXX XXXX the company takes in annually, they shouldn't miss my rather pentence I may receive on a monthly basis.
Consumer complaint received 2020-05-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (HI)

We started our VA home streamline refinance back in XXXX and ran into all sorts of issues with being able to get in contact with anyone at freedom mortgage or inspire closing through email or phone. Documents were lost and they had to extend our rate lock on our loan because we were going to exceed the 45 day closing requirement and on the day of closing the notary called and cancelled our closing 30 minutes prior to the closing time. 

XX/XX/202 - received documents to sign our new loan XX/XX/2020 - received an email from freedom requiring our previous divorce decrees and marriage certificate because they were not on file - even though we were already financed with them and this was on file from our original loan XX/XX/XXXX, & XX/XX/2020 - we received an email stating we needed to mail off the POA to XXXX for closing, later that day freedom mortgage said we needed to keep the original for the notary during signing. 
XX/XX/2020 - requested to send our divorce decrees and marriage cert again XX/XX/2020 - requested to send a divorce property settlement form from my previous divorce - not needed because i was divorced 3 years prior to the purchase of this house - requesting unnecessary documents. 
XX/XX/2020 - received an email from freedom mortgage asking to email a copy o the POA because they did not have it on file. 
XX/XX/2020 - received an email from freedom mortgage stating there is an issue with closing and XXXX and for us to call them as soon as possible - our lock rate needed to be extended for the loan at this time because we were over the 45 days for signing. 
XX/XX/2020 - received an email from Freedom mortgage that they have not received our closing documents yet ( closing date scheduled for XX/XX/2020 ) XX/XX/2020 - emailed freedom mortgage that we have not received our closing documents XX/XX/2020 ( XXXX EST ) from notary for XXXX closing that they have to cancel our closing today 30 minutes prior to our closing XX/XX/2020 - called Freedom mortgage to file a complaint and talked to the loan officer.  no progress was made, i was told they would look into it and do not know why the notary cancelled the appointment XX/XX/2020 ( XXXX EST ) Freedom mortgage called saying title is trying to hire a new notary to complete our signing today.
Consumer complaint received 2020-05-05
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX   XXXX {$530.00} XXXX XXXX {$710.00} XXXX XXXX {$84.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$800.00}
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

in XX/XX/XXXX I refinanced my primary mortgage. Loancare, who holds several mortgage loans for me, was the original servicer of my new loan. Account # XXXX was established and for two months I paid my payments to them. 

Then on XX/XX/XXXX LoanCare transferred my loan to XXXX XXXX Loans, and instructed me to make my payments to XXXX home loans and refused to accept any further payments from me. 

I began making my payments to XXXX, however on XX/XX/XXXX I applied for a mortgage for a new property and was advised that LOANCARE is reporting a 30 day late payment for XX/XX/XXXX, WELL after they transferred the loan and were no longer servicing it. This caused a credit score to drop 100 points for my wife and I and we are in danger of losing this great opportunity to buy. I have been unable to contact LOANCARE, or receive a call back from them after numerous attempts to contact them. This has to be an error, as XXXX  does not report any late payments but XXXX  and XXXX  are reporting the late. I need LOANCARE to retract any negative credit reporting ASAP.
Consumer complaint received 2020-05-05
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX   XXXX {$530.00} XXXX XXXX {$710.00} XXXX XXXX {$84.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$800.00}
Consumer complaint received 2020-05-05
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. (DE)

I contacted Transunion via mail on XX/XX/2020 to dispute unauthorized inquiries. I received a follow up letter via mail that was issued on XX/XX/2020. 
The letter was very vague and didn't state anything about any investigation. The letter only explained what an inquiry is how long it remains on your report. I have never applied for anything with these companies, these are fraudulent inquires.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

On Thursday XX/XX/XXXX, I had contacted Macy 's credit card company to try and take care of a charged off account that I had with them. The rep stated that the account has past statutes of limitations, and that I could attempt to mail a payment in full ; however they couldn't confirm that it would do anything to the balance. I'd like to preface this complaint that I had no intentions of having this account ever go delinquent. We were faced with a really difficult family issue which consumed a good portion of our savings which was tragically followed by a loss of family income. We are trying everything we can to get back on our feet, and I was taken back that the rep had informed me that nothing can be done due to the account being past these statutes. I am concerned that I can not even try to work directly with Macy 's to satisfy the account.
Consumer complaint received 2020-05-05
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: EQUIFAX, INC. (IN)

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Capitol Credit Services, Inc (IL)

I have been told by XXXX XXXX, the holder of my credit card account, that the way payments are targeted is due to the TILA. I have two balances ; one at an interest rate of 22 % and a higher amount on a promotional 0 % interest rate. We pay more than the minimum due, and I am being told that the minimum amount due is targeted to the lower interest rate amount and the remaining is targeted to the higher interest rate as per the TILA. Is this true? The higher interest rate, is a lower amount, but also the oldest amount. I would like to at least split the difference 50-50, but I am being told the TILA will not allow this. Please advise and thank you! 

I initially sent this request to the Federal Reserve, but they directed me to send it to you.
Consumer complaint received 2020-03-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NJ)

I recieved a notice in the mail on XX/XX/2020 stating that I had a balance of {$3000.00} from my student loan. I tried contacting the company but kept getting rerouted to different people until the final one which I had left a voice mail. I do not owe anything on my student loan, and I also have the XXXX XXXX app and that to also states that i have a XXXX balance and the account was closed. The name of the company is US department of education national payment center.
Consumer complaint received 2020-05-05
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$18000.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

In XX/XX/2020 I was told by a Lowes employee that I could make a large payment on my Lowes credit card that day to make a purchase that day and get my 5 % off my purchase. I paid {$3000.00} to my Lowes card ( Synchrony Bank ) and when I tried to use it for my purchase, it was declined. My bank had pre-authorized the transaction. I was then told that since my credit limit was {$100.00}, I could not spend {$3000.00} on my Lowes card, even though I already paid that amount on my card. The transaction to pay on the Lowes card came from my debit card. I had a 3 way call with my bank and the Synchrony bank people to try to resolve it. The store was unable to make an adjustment and refund my {$3000.00} as well. Luckily my bank had put in a provisional {$3000.00} to cover me. 
I called Synchrony Bank at XXXX on XX/XX/2020 to ask them to credit the money back to my debit card and they have told me they can not do that. They stated so had to wait for 7 days from the date of the transaction to be issued a check that I would then receive in 7-15 business days. They took the money instantly but can not return it the same way. I spoke with a supervisor named XXXX who continually stated they can not return it electronically and I would have to wait until XX/XX/XXXX for them to even issue a paper check to be mailed. That is bad business and I feel they should not be getting interest on my money for an extra 2 weeks. I need to pay the bank back that money. Please advise.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian is reporting a bankruptcy on my credit report. I sent them a letter around XX/XX/XXXX disputing this matter. I sent a copy of a letter I received from bankruptcy court stating they do not report to credit reporting agencies. Experian sent me a copy of an updated credit report on XX/XX/XXXX stating that the information was accurate from a third party vendor XXXX XXXX. I have a " security freeze '' on my file. I sent a letter to XXXX XXXX around XX/XX/XXXX asking them to verify the accuracy of the bankruptcy and they were unable to verify the accuracy of the bankruptcy. XXXX XXXX responded XX/XX/XXXX they had to delete the bankruptcy according to the FCRA. I tried getting this bankruptcy removed back in XX/XX/XXXX and refused to remove it back then. I want this removed from my credit report.
Consumer complaint received 2020-05-05
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

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, DPT EDXXXX, US DEPT ED.
Consumer complaint received 2020-05-05
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (CA)

My mom opened a student loan for me under sallie Mae creditor? In 2006 when I had no idea, looking at my credit report this is the only thing that is red or >120 days late and 14 years later I had no idea it even existed
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dont recognize these lenders, and I dont remember authorizing them to perform a hard inquiry on my credit report. Please remove all of these unauthorized inquiries immediately.
Consumer complaint received 2020-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WESTERN ALLIANCE BANCORPORATION (CA)

Bridge Bank/Western Alliance Bank/Torrey Pines Bank ( they have so many names I've lost track! ) funded a small business loan plus line of credit. We've been requesting a forbearance/deferment/flexibility given the pandemic and our inability to service our current loans with them right now. Our business has been impacted by 90 %. We've been trying to work with them since the second week of XXXX, however, they've REFUSED to help us during this time. We've been struggling to make our payments in general and continue to have a hard time. Given we're over a month late making our payments at this time, they have THREATENED US and stated they WILL PURSUE FURTHER ACTION AGAINST US. This was stated by a Vice President, XXXX XXXX, of their company which is totally unacceptable. They have issued numerous late fees, etc., and continue to threaten us rather than help us. Thanks in advance for your attention to our matter!
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I called XXXX  over 20 times on XX/XX/04. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I called Experian over 20 times on XX/XX/04. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.