davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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: Velocity Portfolio Group (MO)

This complaint is regarding an unsecured loan with XXXX XXXX. Original amount was for a total of {$1500.00}. This amount was paid in full. However, somehow it was sold to a collection agency for a supposed amount that was not paid. I spoke with a Rep within XXXX XXXX that could not find the account, stating it had been sold to another group. She explained when these account are sold off, they no longer retain any records of these account. There was nothing she could find for me. She then further explained that at times, a missed payment fee or late fee, if left unpaid can incur other charges such as legal fees, and other non-payment penalty fees. This could possible explain why this account is showing on my credit report as over 6 months unpaid -account owing over {$8000.00}. Upgrades number is XXXX. 

I was then advised to contact Velocity about this matter, the company that had purchased this collection account. I contacted Velocity, spoke with a gal named XXXX. They simply asserted I owed that much and wanted payment. I wanted whatever proof or documentation they could show to establish the legitimacy of this claim. I strongly deny and dispute having this debt. {$1500.00} was the loan, and it was paid. They explained they did not have any records, but they have the account and want payment. 

I have submitted a formal dispute with Velocity, sent this via fax to XXXX on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. No response back from Velocity. Just collection calls. 

On XXXX XXXX I had received a letter from XXXX XXXX regarding {$7800.00} a debt they were collecting on behalf of XXXX XXXX. Somehow, they now have the account. I submitted a written dispute via certified mail, XX/XX/XXXX to XXXX XXXX. It was received per the signature card on XX/XX/XXXX. 
No response from XXXX. I have asked for proof or documentation to establish legitimacy of the amount they say I owe. I have yet to receive anything. 

I then filed a dispute with XXXX. 
Explained this matter, asked for the companies involved to furnish proof, explained they claimed they had no files or documents. It was just a purchased account for collection. I asked to have my record show that the correct amount was for {$1500.00} and was paid. Wanted the late payment dates corrected to reflect this. The results I received were that these companies state the account is valid an no changes would be made to my credit report. 

Without some sort of proof, documents, or any other substantiating paperwork, how can they say someone just owes that? What stops them from later saying I owe XXXX? This is not good at all. 
This has really damaged my credit report. I want to ask that this be corrected on my report. I did have a loan originally with XXXX XXXX, for {$1500.00}, it was paid.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (OH)

Stenger and Stenger have filed a case against me my local district court. Stenger and Stenger claims that I owe {$1200.00} for a XXXX XXXX Credit Card. They are suing on behalf of XXXX XXXX. 

On XX/XX/XXXX I was mailed a letter front XXXX ( collection agency ) on behalf of XXXX XXXX and it clearly states that I am not financially responsible for that account. The credit bureaus have also investigated the matter and have deleted both XXXX XXXX and XXXX XXXX my from credit file respectfully. Deletions occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-01-28
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. (AL)

The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for XXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-02
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

My credit sore is XXXX and I have one or 2 things in collection every time I run my credit or apply for something I get turned down They say because Derogatory inquiries in serious delinquency
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXXXXXX XXXX  Account number : XXXX
Consumer complaint received 2020-10-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I believe that NFCU is using an automated mortgage application process to steer customers into the loan type in which they make the most money in fees rather than for us to choose the loan type we want. We requested a VA StreamLine Refinance application but were steered into a Conventional Loan type at the end of the application process which took approximately one hour online. As a XXXX Veteran with a VA loan already in place on the property, I wanted to do the VA Streamline loan because it would save us time and money on the loan. Although we requested a VA Streamline Refinance Loan, the automated application process is set up so that it determines which loan type it presents to you. NOWHERE ON THE ONLINE LOAN APPLICATION DID IT ALLOW US TO PICK THE VA STREAMLINE LOAN REFINANCE. It did not give us the choice to choose the VA Loan at the beginning or end of the application process.

When we called to make a complaint to NFCU, the Mortgage Loan Officer assigned to the Loan told us that she had to re-assign the loan to another officer and that we had to fill out a different application and go through the loan process again because the loan number was different. When we asked to speak to a Supervisor about the loan application, we were told that we would get a Conventional Loan Officer not a VA Loan Officer and it would be a day or two before the Conventional Loan Officer would call back. We asked why not the VA Loan Officer and we were told because it is a Conventional Loan.

As further proof of what I call '' steering the consumer into the loan type NFCU decides for you '' is a call to us from XXXX XXXX, Resolution Officer with NFCU who confirmed to me that the system does automatically choose the loan type for you. 

My complaint is that the lack of transparency in the loan process upfront with it being programmed to choose for the consumer the loan type and no option to choose the VA Loan after spending an hour filling the form is a sneaky way of steering consumers into the type of loan in which they make the most fees. That appears to be a type of fraud.
Consumer complaint received 2020-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I had a PayPal debit card. I didnt have a bank account at the time. So I had my first stimulus check deposited ( XXXX ) on there and everything was fine. I used my card, withdrew money etc. Well months later I file for unemployment and get a significant return. So I send a friend of mine XXXX or so because I want to help him out. Well I then get an email saying PayPal is going to have to part ways and theyre going to hold my money for 6 months or more. Then I talk to my friend and he said they did the same thing to him!! Keep in mind neither of us have used XXXX  or anything. Theres no one to refund or anything. So long story short Im trying to get my money back. We needed it desperately. We will never use PayPal again we promise!! I have screenshots of all the transactions and more!! I dont understand why they closed the accounts and they never gave an explanation. In fact, most of the responses are automatically generated. Also when you try and call and they say theyre transferring you to a rep but it immediately hangs up. You cant get in touch with anyone. Ive been trying for months. I googled this issue and theres tons of horror stories like mine. Its awful. Thank you. 

Also I contacted Ga Dept of Labor and they sent me whats called a XXXX card so my payments are now going to that praise god, however theres over XXXX just sitting in PayPal. Screenshots are attached!! 

XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-18
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. (NV)

I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through XXXX  years ago. I disputed all the  items and they still have not removed them. I filed an identity theft report and a police report.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AR)

OCWEN IS REFUSING TO REFUND MY EXEMPT FUNDS STOLEN FOR {$16.00}, XXXX IN XXXX AND XXXX THEY ARE LISTED AS THIRD PARTY CLAIMS IN MY BANKRUPTCY. SHOULD YOU FAIL TO REFUND MONIES WITHIN 15 DAYS WILL SEEK ADVERSARY PROCEEDINGS AND START CLASS ACTION LITIGATION.SEE ATTACHED.
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (NC)

There is a debt on my credit report ADVANCED COLLECTION BU that is not mine. I have disputed it several times and they keep saying it is mine but will not provide verifying proof. Unless they show actual doctors records showing I incurred this debt I demand this be removed from my credit report.
Consumer complaint received 2020-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I requested a home equity line of credit ( HELOC ) for {$50000.00} from Pentagon Federal Credit Union ( NMLS XXXX ). I was told the underwriter denied it. I then requested an amount of {$25000.00} line of credit. That to was also denied, yet ; for that amount I qualify based on outstanding mortgage/assed value of home is less than 80 % which I was told I had to be under ==> $ XXXX {$430000.00} ~= 75 %. I feel I am being denied by Pentagon Federal Credit Union for an equity loan despite my being a member for close to 40 years.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Earlier this year JPMorgan Chase Credit card closed my credit card account without any proper explanation. When I called the supervisor he told me that I mentioned to one of the agents that I will file for bankruptcy which I never did so that the basis to close my account. When I called again another supervisor said that my balance was past due which is a lie i make all my payments on time. On XX/XX/20 i paid of the remaining balance of {$1500.00} and I shredded the card. Today I received an alert from XXXX  stating that Chase reported a balance past due in my account. I was surprised because I no longer have an account with them, they closed it without a proper explanation and I paid off my balance the remaining balance I need to know why they think I still owe them?
Consumer complaint received 2017-10-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This account has not been validated a XXXX has been removed from XXXX and XXXX I need this removed immediately as the company has yet to validate the Debt. 

I need them to stop reporting wrong information to the credit bureaus as false and misleading practices. Will also report to Attorney General, FTC and XXXX.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Experian Credit B. is reporting unverified, derogatory information into my credit profile. Has failed to notify me or re adding an account after once deleted back into my credit report. Has dishonored my verbal telephone request for method of verification on XX/XX/21
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I HAVE AN ACCOUNT WITH XXXX XXXX XXXX. I HAVE HAD THIS ACCOUNT SINCE 2016. BACK IN XXXX I DISPUTED WITH EXPERIAN SIX PAYMENTS THAT WAS REPORTED LATE BUT WAS PAID ON TIME. I HAVE A MEMBERSHIP WITH EXPERIAN & NOTICE THAT MY REVOLVING CREDIT LINE WITH XXXX  XXXX IS NOT BEING REPORTED AT ALL IT HAS DISAPPEARED & I AM MAKING ALL MY PAYMENTS ON TIME. XXXX  & XXXX  IS REPORTING ON TIME PAYMENTS BUT NOT EXPERIAN & BECAUSE OF THIS EXPERIAN IS NO LONGER REPORTING MY FICO SCORE. 

PLEASE HELP XXXX XXXX XXXX
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: Experian Information Solutions 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 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TN)

Southwest Credit Systems ; Please see the attached files, as the account you are trying to collect on was opened as a result of identity theft, and I would like you to immediately stop collection ( s ) on this account and remove it from all of my credit report ( s ) you placed it on otherwise more action will be taken. DO NOT CONTACT ME VIA PHONE, or I will have my attorney follow up.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

XXXX XXXX XXXX is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed a XX/XX/2020 late reporting. I have had this account for a while and have yet to be late. I was very confused as I had made my payment online on time for that date. I always make my payments online and usually have no issue however, it looks like they never took out the payment? The funds where there, I had paid the bill online but they didn't process it and I get reprimanded for a mistake that I did not make? The payment was made on time and this late must be removed, this is not my error.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.