davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
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. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-09-12
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)

On XX/XX/22 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from 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.
Consumer complaint received 2020-07-02
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. (TX)

First off, if Experian pegs this complaint a duplicate, I will take this a step forward. I disputed my XXXX account 8 times for incorrect info ( terms ). All 8 times I sent the original signed contract only for the error not to be corrected. Filed CFPB complaint and per their response, they said they had reason not to believe it was me ( don't know how being I sent a picture of myself holding the letter that would eventually be sent ) and told me to resubmit the info. This time I submitted it with a notarized letter AND the original contract. This needs to get fixed immediately or more extreme measures will be taken ( legal ) and I will seek every fine due to me. Experian, delete this XXXX Account immediately. You want the contract AGAIN, please view the other complaint where I sent it.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX XXXX XXXX and in the summer of XXXX I applied for a business grant with the Small Business Administration ( SBA ), but I made a serious mistake because I did not make sure to study the information on this application well, so I applied for a program, where people already have a business and need help, but it turns out that I do not have a business, I applied with the information of my home address, my personal social security number and ID, so the loan that SBA gave me ( {$7500.00} ) was placed in my personal account, but I have not used that money, since I have not been able to do any business and I want to return these funds to the SBA. 

My bank, which is CHASE, closed my account on XX/XX/XXXX XXXX, which is fair and very correct, but they kept the money of loan all these months, I have called and had two appointments for that, plus my phone calls to both Chase and SBA , but even today, XX/XX/XXXX, I can't get this money back to the SBA XXXX in a call to SBA customer service, the representative who attended me informed the money has not been returned to SBA and according to them, Chase knows how to do this process of refunding the money. 

In the meantime, I am paying the interest on this debt, so that it does not accumulate and I am very worried because on XX/XX/XXXX, this debt must begin to be paid, so what will be happen if the money continues to be held in Chase Bank. 

My application number with XXXX is XXXX XXXX XXXX My ID number is : XXXX XXXX XXXX My phone number is : XXXX XXXX XXXX ( I am a teacher, so I work from Monday to Friday in a school from XXXX to XXXX )
Consumer complaint received 2021-03-02
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: Collection Management Services, Inc. (TN)

XX/XX/2021 I had numerous inaccurate names and addresses on my report. I sent certified letter to collection company XXXX. I never received my documents requested. This is a direct violation of the Fair Debt Credit Reporting agency 15 usc 1692g section 809 ( b ). I want this collection deleted.
Consumer complaint received 2019-05-31
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. (IN)

I bought my car for {$15000.00} from XXXX with a loan from XXXX XXXX, XX/XX/XXXX. I made payments on time until XX/XX/XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with XXXX XXXX multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from XXXX until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which XXXX and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was XXXX, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.
Consumer complaint received 2020-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an account with a checking promotional offer of {$100.00}. 
The offer states I would be able to " Get a {$100.00} offer when you use this offer page to open a new checking account ''. 

Requirements to earn the promotional offer was to : 1. The deadline to enroll in this offer was XXXX XXXX, XXXX. 
2. Set up and receive at least 2 qualifying direct deposits of {$250.00} or more within the first 90 days of opening your new checking account. 

The promotional code was : XXXX XX/XX/XXXX : I opened the account. 

XX/XX/XXXX : Initial deposit of {$100.00} was made. 

XX/XX/XXXX : Another {$100.00} deposit. 

XX/XX/XXXX : Direct deposit of {$250.00}. 

XX/XX/XXXX : Direct deposit of {$250.00}. 

XXXX : Expected promotional offer bonus, but did not see it. 

Some time between XXXX : Called Bank of America and asked about why I was not seeing a bonus received after meeting the requirements. They said they would escalate the issue. 

XX/XX/XXXX : Called again to check on the escalation, but it was still being reviewed and no resolution yet. 

XX/XX/XXXX : Called again, but still no updates. 

A date around XX/XX/XXXX : Called again, but still no updates. 

XX/XX/XXXX : Called again and the representative told me the escalation was closed already, but I was not informed of the issue being closed. The representative said in the notes, the escalation resolution was that, I did not meet the requirements because I opened the account on XX/XX/XXXX, but the offer internally actually started XX/XX/XXXX. I looked at the offer I received again, but there was no mention of a offer start date and I told the representative. The representative said they tried to find it in the public offer documents, but was unable to find it and that it is an internal notes/document. I asked if I could open another escalation to look into the issue because no starting date was mentioned in the initial offer.
Consumer complaint received 2019-05-31
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: SYNCHRONY FINANCIAL (NC)

In reviewing my credit on XXXX XXXX, I noticed 6 hard inquiries that I did not recognize. They are on my XXXX report and are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Additionally they were all tied to National Credit Cards/Airlines. I called XXXX and they said they were from Synchony Bank and I would need to call them and provided me the phone number of XXXX. I spoke with Synchony Bank and they denied knowing anything about it, and attempted to shift blame on XXXX XXXX, stating this was an issue with them, however, XXXX XXXX is only a monitoring company. They do not report to the credit bureaus. 

XX/XX/XXXX Syncb/Steinmart DC XXXX, Florida XXXX XX/XX/XXXX SYNCB/PAYPALEXTRASMC National Credit Airlines XXXX, FLorida XX/XX/XXXX SYNCB National Credit Airlines Orlando, Florida XXXX XX/XX/XXXX SYNCB/WALMART PLCC National Credit Cards/Airlines XXXX, Florida XXXX XXXX, XXXX SYNCB National Credit Cards/Airlines XXXX Floridaa I never authorized Synchony Bank to make these inquiries against my credit. I am requesting in writing assurance that all of my personal identification information be removed from any and all files both electronic and physical immediately. I am also requesting these inquiries be removed from my XXXX report so I will no longer be adversely affected.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal CR Union at XXXXXXXX XXXX XXXXXXXX XXXX Va, XXXX has been sending me collection notices in the amount of {$500.00}. The collection has been reported as a past due balance. I have also sent dispute letters and 609 letters over 60 days ago and has still not gotten a response. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature
Consumer complaint received 2019-05-31
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: EQUIFAX, INC. (IL)

THERE ARE 8 LINES ON MY CREDIT REPORT UNDER US DEPARTMENT OF EDUCATION THAT TRANSFERRED TO DEPARTMENT OF EDUCATION XXXX. XX/XX/2012 $ XXXX. THESE 8 LINES HAVE {$0.00} BALANCE ON MY CREDIT REPORT BUT UNDER THE " SCHEDULED PAYMENT AMOUNT THERE IS " {$20.00}, {$6.00}, {$41.00}, {$23.00}, {$85.00}, {$88.00}, {$36.00}, {$36.00}. TOTAL {$330.00}. TERMS OF FREQUENCY SAYS " DEFERRED ''. THE LOANS WERE TRANSFERRED TO XXXX. IT SHOULD NOT SAY DEFERRED. THIS {$330.00} AMOUNT IS AFFECTING MY DEBT TO INCOME RATIO AND STOPPING MY HOME LOAN APPLICATION FROM GOING THROUGH. I HAVE ASKED EQUIFAX TO CORRECT THE REPORTING. THEY CLAIM THE DEBT TO INCOME IS NOT ON MY CREDIT REPORT AND SENT ME MY CREDIT REPORT WITH THE AMOUNTS LISTED ABOVE ON THE REPORT THEY MAILED ME. I HAVE ASKED THE DEPARTMENT OF EDUCATION AND DEPT OF ED XXXX TO CORRECT MY CREDIT REPORT AND SEND ME A LETTER STATING THE 8 LOANS WERE TRANSFERRED FROM " U.S DEPT OF ED '' TO " DEPT OF ED XXXX '' ON XX/XX/2012 NOT ONE OF THE 3 COMPANIES WILL CORRECT THIS ERROR. THE DEPARTMENT OF ED AND XXXX PUSH ME OFF TO THE OTHER COMPANY TO CORRECT AND EXQUIFAX DENIES THERE IS A PROBLEM. PLEASE HELP ME GET THIS RESOLVED. I DO HAVE {$57000.00} PLUS INTEREST IN LOANS THAT ARE DEFERRED UNDER DEPT OF ED XXXX. THAT IS ALL I OWE OUTSIDE OF A {$450.00} PERKINS LOAN. THE {$57000.00} IS COUNTING AGAINST MY DEBT TO INCOME RATIO. PLUS THE TRANSFERRED LOANS HAVE ADDITIONAL $ XXXX WORTH OF MONTHLY PAYMENTS TOTALING {$330.00} BEING LISTED AGAIN AND COUNTED IN MY DEBT TO INCOME RATIO ON MY CREDIT REPORT ALSO. PLEASE HAVE THE US DEPARTMENT OF EDUCATION 8 LINES CLEARED OF A MONTHLY PAYMENT AMOUNT AND REMOVE THE " DEFERRED '' STATUS. I CAN ONLY ASSUME IT SHOULD SHOW AS TRANSFERRED. THANK YOU
Consumer complaint received 2021-07-15
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: ENCORE CAPITAL GROUP INC. (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. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

This new complaint is a direct result of PHH/OCWENs response to my previous complaint about them mishandling everything with my account. In the companys response to my previous complaint they stated that they have sent me several documents concerning my account. I responded that I have not received any correspondence whatsoever, not by phone or mail or any other conceivable method. This complaint is specifically addressing the documents they claim to have sent. These documents, some addressed to me and some addressed to my late husband who has been dead for a year and a half, WERE ALL SENT TO AN ADDRESS NEITHER ONE OF US HAS LIVED AT FOR OVER SIX YEARS! SIX YEARS!!!! Where did they even get that address and why after having the loan for my current house for three years would they send it to such an old address?? How does this even happen??? Now they will no doubt charge me even more for their gross, disgusting incompetence. This just has to stop! The incompetence of PHH/OCWEN has made my life an absolute XXXX for over a year. 
I dont believe anyone can be this completely idiotic. It took effort to find an address that is over six years old. I suspect that documents were intentionally sent to the wrong address so they can deny the current modification offer, add more unjustified fees, and continue foreclosure.
Consumer complaint received 2019-05-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (GA)

Myself and several family members received calls about this debt from XXXX on behalf of Cash Central stating they Order of vocation {$1000.00} court cost legal fees XXXX XXXX Threatening to sue me and take me to court and I requested to have a cease and desist for contacting family members and they would not accept it and they continued to threaten and harass me and family numbers.
Consumer complaint received 2017-10-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Access Receivables of NC Inc. (VA)

I was making school payments for XXXX University XXXX XXXX Campus on my original balance of {$980.00} ( approximately ) and I missed a payment and they sent it to a collection Agency ( Access Receivables ). I had no Idea that it was sent to Collection until I see it on my credit report. The collection agency did n't sent me a mail to my address, did n't send me an email or a phone call. 
I have contacted Access receivables, but the manager did n't want to assess the situation. 
As a taxpayer citizen, I have a right to be notified by certified mail that I have to settle a debt, but in this case just because they have the power to post it to my credit, they did.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

ATTENTION TO LVNV FUNDING LLC ( 12 XXXX  XXXX XXXX XXXX  ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC ( XXXX XXXX  XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal 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. All information submitted is said to be the rightful information needed to resolve this matter.