davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
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: Synerprise Consulting Services, Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX ... SYNERPRISE  ( Original Creditor : XXXX XXXX  ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-18
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. (MN)

Dear Equifax : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX  on 01/27/2021 2. XXXX  XXXX  XXXX  XXXX  on 12/10/2020 3. Credit Information S on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 6. XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2021-04-19
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: Phoenix Financial Services LLC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX****that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

On XX/XX/2021 escrow closed on my refinance. My former loan company, Flagstar, is holding over {$6000.00} of my money from an escrow account. I have contacted them several times. I was told I had to wait 20 BUSINESS DAYS. That period of time has well passed and I contacted them again. I was told I'd have to wait another 15 BUSINESS DAYS for them to " reissue a check ''. It has now been 36 days and I still have not received my funds.
Consumer complaint received 2021-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Dispute-Hard Inquiries : CAP ONE NAXXXX CAPITALONE XX/XX/XXXX CAPITALONE XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called XXXX  for inaccurate inquiries/other inaccuracies- XXXX took few disputes on phone, stated I had to call companies re : hard inquiries.

Called CapitalONE- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands CapitalOne cards, but no hard inquiries done- CS rep agreed/confirmed no hard pulls are done when being added as an AU to husbands CapitalOne cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 CapitalOne hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding XXXX assistance w/ this issue- I told her XXXX was 1st called- no help- XXXX  stated that they couldn't do anything-I had/needed to call creditors. Therefore CapitalOne was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The Capital One customer service was super sweet and my complaint is not against her. I hate to make a complaint about Capital One, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX tells me to call the furnishers, they cant do anything. XXXX makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

They are stating that XXXX payment was not paid until XXXX two payments have been made in XXXX so far. We never received a text email letter or phone call about any late payments. We have had this loan for over two years and have never been late much less missed a payment on any loans we have. I want this late payment removed from my credit because it is having a negative impact on my score obviously. If I pay the whole loan off would that help them to remove it.
Consumer complaint received 2021-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Dispute-Hard Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called XXXX for inaccurate inquiries/other inaccuracies- XXXX took few disputes on phone, stated I had to call companies re : hard inquiries.

Called XXXX- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands XXXX cards, but no hard inquiries done- XXXX XXXX agreed/confirmed no hard pulls are done when being added as an AU to husbands XXXX cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 XXXX hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding XXXX assistance w/ this issue- I told her XXXX was 1st called- no help- XXXX stated that they couldn't do anything-I had/needed to call creditors. Therefore XXXX was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The XXXX XXXX customer service was super sweet and my complaint is not against her. I hate to make a complaint about XXXX XXXX, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX tells me to call the furnishers, they cant do anything. XXXX  makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Consumer complaint received 2021-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I read about the Cares Act on the website and heard from various places about it. I have loans since attending XXXX, XXXX  XXXX, XXXX, XXXX, etc ... Since being with XXXX XXXX, now Navient, there has been a great amount of bad practices, particularly XXXX with interest and fees when I tried contacting them when I was struggling. They always presented forbearance, but never explained to me about IBR. Every rep spoke briefly and differently. Confusing to say the least and started to email but their responses and communication was so sparse that I accrued interest and more than 23 late fees and more than 9 administrative forbearances. Now with covid, they have provided no XXXX interest or relief of payments, in general. On the front page, it says federal loans are covered by the cares act from XX/XX/XXXX to XX/XX/XXXX. So FFELP, which is a federal loan, they say it is not covered because it is not US Department of Education, a private loan. I thought the information I was given was that these loans are government loans. There has never been a remedied solution to the past history of bad practices and now this. I didn't apply for forbearance, but that's on my record as well as on my credit report where it decreases my credit score. I am unemployed looking for a job but even when I inquired about it or other ways of help, they have not provided it when I emailed them. They keep provided misleading terms and information, even the IBR program. Their website doesn't define the interest accrued and that this education loan does not qualify for the CARES Act and what resources are available - everyone should have XXXX interest and if not able to pay, to be given the help they need. They continue to charge interest and get payments as usual, even during COVID. I can't believe the lack of service and attention and can't stand the business practices.
Consumer complaint received 2021-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc. (MN)

Hi, This company reported my account to credit reports after speaking with and me asking for time to discuss this with XXXX XXXX. I spoke with American Accounts and Advisers and explained the situation, I was threatened about reporting to my credit report and not given enough time. I have not heard back from summit and this has now affected my credit. I sent American Account and Advisers a written letter of dispute. This is fraudulent billing practices and a violation of my rights as a consumer.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I advised TransUnion and XXXX on XX/XX/XXXX that they would be receiving notification from two creditors within 24 hours ( XXXX XXXX and XXXX XXXX ) that the collection accounts against me ( for alleged failure to return communications equipment ) should be removed. 

My followup with XXXX confirmed that the equipment had indeed been returned and received ( per XXXX @ ext XXXX ) on XX/XX/20 and she sent direction to all credit bureaus that day to remove the erroneous collection account. TransUnion had already received XXXX instructions to remove by the time I spoke with them but said it might take 30 or 60 days to complete an investigation. There is no need for an investigation because they already have the directive from XXXX to delete the account. 

The collection company for XXXX XXXX ( XXXX XXXX ) also removed the collection account from their records and advised the credit bureaus to do the same when I provided the exact date, time, place, and tracking number used to return the XXXX equipment. 

Please ensure both credit bureaus update/correct my inaccurate records immediately. They should be able to accomplish this with zero delay with the specific direction from the creditors to do so. There is no need for a 30-60 day investigation because the bureaus have already been instructed by the two creditors to remove them. Refusal to comply with an immediate correction is unwarranted and maliciously punitive. 

Thank you for your assistance.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2021-04-17
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. (FL)

I have submitted dispute letters to the 3 credit bureaus informing of inaccuracies on my credit report that continues to report negative which is impacting my scores in negative manner.
Consumer complaint received 2021-04-17
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. (TN)

I have contacted XXXX, Equifax, and XXXX in reference to this fraudulent account : XXXX in the amount of {$930.00} that reflects my credit report. I have contacted all listed agencies and creditors via mail 4 times. I provided them all with all the requested items to have the account removed from my credit profile. This items still remains on my credit.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (NM)

I received a phone call and letter in the mail ( dated XX/XX/21 ) from Cedars Business Services. They state that I owe {$1700.00} from XXXX credit, however I do not have a credit card or account with XXXX. I contacted XXXX, and there is no record of me having an account with them. I have not contacted Cedars Business Services, as this is a fraudulent debt collection attempt.
Consumer complaint received 2021-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

Dispute-Hard Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries.

Called XXXX- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands XXXX cards, but no hard inquiries done- CS rep agreed/confirmed no hard pulls are done when being added as an AU to husbands XXXX cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 XXXX hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding Experians assistance w/ this issue- I told her Experain was 1st called- no help- Experian stated that they couldn't do anything-I had/needed to call creditors. Therefore XXXX was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The XXXX XXXX customer service was super sweet and my complaint is not against her. I hate to make a complaint about XXXX XXXX, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Consumer complaint received 2021-04-17
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: Advance America, Cash Advance Centers, Inc. (WA)

The fraud on this account was committed by XXXX XXXX XXXX who I don't know. It is illegal to put a XXXX loan on any credit bureaus, which has negatively impacted my credit report. I have a right to sue under these rights. You see I am a XXXX combat XXXX time XXXX veteran, and I had problems with my identity being used from 2006 to present even with the credit freezes via the dark web. 

It is illegal as well as improper for XXXX to put inaccurate information on my account, which I stated should be deleted from all related credit bureaus, which there is four, but the average american only knows the basic ones. It is predatory lending practices who likes to take advantage of people like me, and who would give XXXX loans to anyone who could use any of my information online.
Consumer complaint received 2021-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (TX)

I noticed a change on my credit report. My score with Equifax dropped by 48 points in one day. I checked the report to find that there was a collection from Harvard Collections. There is no account information or any information other than the name of the collection agency and an amount owed ( {$200.00} ). The collection agency appears to be in XXXX, XXXX. I have never received notice any any collections due ( via email, phone call or any other form ). I've lived in Texas since XXXX. If there was any debt due, why haven't I been contacted? Why wouldn't I haven't contacted since being here more than 30 years. I don't know that this is my debt as I have no information about the debt. The date was placed on my report on XX/XX/XXXX. 

A collection agency or creditor should not be allowed to report a negative anything on your credit without notify you and giving you the chance to pay. This is a very unfair practice. Now my good credit that I've worked so hard to build was damaged with this one spot and I still don't know the reason for this item on my report.