davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware. 
*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments XXXX XXXX have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no XXXX. Please help me cause I'm taking this to the next level after this
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

I received a letter last year stating that a card was opened in my name and there was a {$280.00} balance. I knew this wasn't mine and wrote a letter requesting a list of charges. All of the activity was in Arizona. I do not live in Arizona and I have never been there. During this same time, another account opened in my name as a result of fraud, fortunately I was able to successfully dispute it. 

Looking into the account, I realized that I was not contacted until almost a year after it was opened. I contacted the debt collector and did not get far with them. During the phone call they could not identify me. They asked or my current and past addresses, as well as my phone number. No of my addresses matched what they had on file and they stated they were unable to help me because they could not verify my identity. 

A couple of weeks ago I tried to dispute using XXXX and they disagreed. 

I received a letter with an offer of paying {$160.00}, which is not a lot. However, I do not wish to pay and they consider the payment is me admitting that this is my debt. I have exceptional payment history for my other accounts and this makes my account look bad because its a collection and shows up as multiple late payments.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I reached out to the collection Comapny several times and explained that the amount reported was incorrect. I even requested a debt verification letter which I never received. I explain to them that I have proof that I only owe XXXX and XXXX dollars which they refuse to accept as proof. They have reported 16 times the amount owed ( XXXX ) which had damaged my credit and ability to get credit. These tactics are unfair and unethical and needs to stop.
Consumer complaint received 2021-07-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial (TX)

I received 22 phone calls in one hour from this debt collector. I told them it wasn't mine. they were insistent that it was. I don't need to have a debt collector calling me 22 times an hour for something that is not mine.

I have attached proof of calls.
Consumer complaint received 2021-07-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACCESS GROUP INC. (FL)

I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX XXXX, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX representative ( XXXX XXXX, on XX/XX/XXXX ) stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, Access Group. 

Sincerely,
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

Fifth Third bank purchased my home mortgage on XX/XX/2021. I received a letter from The XXXX XXXX ( entity from whom the mortgage was purchased ) stating that the mortgage had been purchased. When I called The XXXX XXXX, they were able to give me the loan servicing number for the new account at Fifth Third, however I have not been able to create an account or to get in touch with any representatives from Fifth Third in order to pay my bill. I have not received any correspondence at all from Fifth Third stating that they had purchased my mortgage, or been provided any account number or any other method in which I could pay my bill, and they will not answer any of the phone numbers on their website. I believe per FTC regulations, 5/3 bank should have provided a written notice within 30 days of purchasing my mortgage. I spoke with my original loan servicer, and she said there is a 60 day grace period to pay the new account, but that Fifth Third had also purchased their personal home mortgage and they had not received any correspondence or notification of this either.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwestern Health Management INC (IA)

I paid the account, in full, to Nothwest Financial for {$300.00}, on XX/XX/21. It still shows on my Credit Report as an open collection account. I have disputed this issue with XXXX XXXX and they say it is verified as accurate. I have the confirmation number, XXXX, showing that this was paid in full.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2024-10-18
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. (CA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2021-07-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Financial Services (FL)

On XX/XX/2015, Consumer Financial Services added a derogatory mark on my credit report Per XXXX. Upon Further research, this account was sold to my knowledge and I am no longer responsible for this account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Consumer Financial Services has violated my rights as a consumer and im requesting legal action to remove this account immediately
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

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. 60 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 2021-07-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALPHA MORTGAGE CORPORATION (NC)

to the best of my knowledge XXXX. 
I have sign my contract and agreement to purchase my new home. 
I submitted a FHA mortgage application to purchase my new home. I looked online for some of the FHA mortgages to apply for a home loan and this bank was one of the banks I applied to. the amount for the loan was XXXX. after submitting my application for the loan the mortgage banker contact me and ask questions about my credit score. did not discuss the action I needed to take to improve my score. I was told the bank could not help me and my credit score was not higher enough to get a mortgage loan. and I was turn down. I have been working on my credit score and made some improvements.to able to purchase my new home. I am a US citizen and pay my taxes and a veteran widow. why do i have such a hard time getting a loan for a home?
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase closed all my personal accounts without reason - I am a business and American citizen - haver no overdrafts and use Chase for both personal and business accounts. They are closing the personal but keeping the business open? This is unfair and I feel it is discriminatory since I married a man who is an XXXX citizen and XXXX.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

I paid off my Oportun XXXX XX/XX/2021. I called Oportun ( which is a pain because they are pretty much in another country ), and I had been doubling up on my payments, and they never sent me any paid off statements - they never sent me another statement since I filed my last complaint about them, and they MADE ME PAY ALL OF THE INTEREST EVEN THOUGH IT HAD NOT ACCRUED BECAUSE I HAD PAID IT OFF EARLY. 

And I made FOUR - DOUBLE PAYMENTS ( OF $ XXXX INSTEAD OF {$90.00} ). 

THIS COMPANY SHOULD OWE ME SOME MONEY PLUS AN ITEMIZED STATEMENT FOR THE ENTIRE LOAN. I WILL NEVER BORROW FROM THEM EVER AGAIN.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

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. 60 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 2021-07-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A. (FL)

I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX Co, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX  to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX  representative XXXX XXXX XXXX, on XX/XX/XXXX XXXX stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, XXXX  XXXX. 

Sincerely,
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

Pnc sent me a dormant card to replace an expiring card. 
Obviously, this did not work. Ive spent 2.75 hours with customer service, a branch visit, and one crying spell to be given a replacement that didnt work. 

I just want a debit card and it was refused. I wasnt given an attempt to escalate or to speak to someone who could assist. I hope this complaint will trigger action.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (OK)

On XX/XX/XXXX or XXXX a debit card was delivered to my old address at my parent 's house from Chime. The card is in my maiden name ( XXXX ) and appears to be a real card and not one of those promotional fake cards some companies send out. I have never had business with Chime and did not apply for this account. I am pretty sure it is a case of identity theft and credit fraud. I've tried to contact Chime via their customer service email and have been given the run around about trying to close this account. They are refusing to close the account unless I send them sensitive documents over unsecured email including my driver 's license and a copy of my social security card. They also requested I contact them from " the email address I used to open the account '' ; which would be impossible because I didn't open the account and it is fraud. Every time I email them a different " representative '' responds to my email and gives me a run around. There is no real person that you can talk to on their phone number. I just want this obviously fraudulent account closed and they are making it impossible.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

After reaching out to Venmo several times before having my funds deposited into my account Venmo told me I was able to receive the funds they knew the amount, the depositor and the reason for the funds and I was told it was ok to have such funds deposited into the account. As soon as the funds was deposited they froze my account without telling me why.I have filed a complaint with the FDIC and I hope they don't send these funds back to depositor because it will lead to litigation.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are accounts that were open without me knowing i reached out to XXXX, XXXX, and transunion numerous times and they still haven't responded or do what they promise to do
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong to me.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-07-05
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: Law Office of Rory W. Clark, APLC (CA)

I received a form letter with a date stamp of XX/XX/2021 from a law firm/debt collector I do not know and had never been contacted by. The letter is not signed. I received the letter on Friday afternoon, XX/XX/2021, of the holiday weekend. I only had to time to type a letter and send registered mail to the law firm. I do not recognize the credit card company. The letter is threatening and harassing, further more the law firm caused duress by sending the letter the afternoon of a holiday weekend, when no one could be contacted. 
If indeed the letter is correct, and the amount is owed, I made an offer to the law firm of {$10.00} per month as I am on widow 's benefits. 
I am enclosing the form letter from the law firm FarMar Law Group , PC, the envelope with the postal stamp of XX/XX/2021, and my registered letter to the law firm. 
I also sent a fax copy of the letter to the law firm as well. 
I was not afforded 30 days to respond to the threats of a lawsuit. I have never been contacted by FarMar Law Group , PC, XXXX XXXX XXXX and XXXX XXXX.