davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CT)

TCF Bank has recently overhauled their servicing infrastructure which includes how a customer makes payments. During this process the customer is forced to re-enroll in their website and set up their payments again. I was able to successfully able to re-enroll with their system and set up automatic payments. However, when the date of payment I selected arrived ( 9 days before due ), no payment went through. Assuming that this would instead go through on the payment date, I waited to see when that would happen. ( On a side note, a customer must enroll into two different systems, one to see balance and statement details for your account AND another to merely make a payment ) The payment did not go on the due date and therefore I made a manual payment that day. Additionally, I made an extra payment XXXX {$30000.00} XXXX a day later, but neither of those payments went through and were subsequently reversed days later. I received no notification of the reversal, I only noticed when the payment was not taken out of my checking account ( thankfully not TCF Bank ). 

I have made several attempts to contact TCF Bank, but was disconnected after 2.5 hours each time. Apparently their system does not allow a customer to hold longer than that. 

Finally, I have made multiple attempts to contact them via their " Secure Message ''  and through regular email, with no semblance of a resolution from either mechanism. Logging into their website also appears problematic now ...
Consumer complaint received 2020-09-02
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: EQUIFAX, INC. (FL)

Ran my credit report due to drastic 100 point drop in my credit score. 
Found card was opened without my knowledge or permission. Called the card company and sent a letter to them XX/XX/XXXX advising this was fraud and I did not authorize or open account. 
Customer service advised account was opened with address I lived at over 10 years ago and phone number on account that does NOT match my phone I have had and used for 17 years. 
Security Department opened a case. They never called me or responded to my calls to go over the case. On XX/XX/XXXX I got a generic letter from them stating the debt was valid because it was taken from an address associated with me at one point! 

I did not authorize this account. It is fraudulent and card company is not cooperating or completing a fraud investigation. They are denying my case without providing proof even when I sent them two letters showing I can prove I have not lived at this address in over 10 years and have opened many accounts and closed over 10 years never using any address other than the address I reside at. They did not properly trace a false phone number provided for account ( XXXX ) and never contacted me at any time from when account was opened in XX/XX/XXXX until they charged off the account XX/XX/XXXX. The claimed balance overdue was {$190.00} and with late fees total {$360.00}. During XXXX to XXXX they made no attempt to verify my correct address or phone number. 

The customer service at card company did say that they did send letters to an address in XXXX XXXX XXXX! If they skip traced my entire life history they would have confirmed that I have NEVER lived in XXXX nor ever listed an address there -- EVER. 

I am requesting the company provide me with an application, how consent was obtained, how the account was authenticated, copies of all statements and all correspondence associated with this account so I can provide to my attorney. 

My credit history shows I do not have any accounts in collections, late payments or charged off in my 20 years in XXXX FL. This error is negatively and unjustly impacting my credit score as a charge off. My present credit report is over 40 pages long with multiple opened and closed account ALL in perfect standing. I have hundreds of thousands of dollars in assets and lines of credit and I would never ignore a debt of {$190.00}. Credit card company never called my home phone number of XXXX ever and never sent any correspondence to my address where I have resided since XXXX. 

As an unauthorized account that was fraudulently set up I am requesting the entire trade line be immediately removed from all credit bureau reporting agencies. 

Credit Card Company- XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2021-03-10
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've been disputed the fraud bankruptcy on my credit report since XX/XX/2020. The bureaus have failed to continuously failed to provide verifiable proofs showing the bankruptcy is mine let alone even initiate the investigation for the dispute. 8 months into a 30 day process and I have seen no progress. The bureaus are blatantly violation my rights under the FCRA and seem to think that there would be no repercussions. This is my last choice before I start paying a lawyer instead of the post office for certified mails.
Consumer complaint received 2019-09-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

The original debt to XXXX XXXX ( the creditor ) was charged off many years ago and has long since exceeded the statute of limitations established in the state of Florida where I resided when the delinquency was incurred. 

Jefferson Capital Systems, XXXX XXXX XXXX , XXXX. XXXX, MN XXXX, illegally re-aged the debt in XX/XX/XXXX, effectively restarting the clock, claiming that it now expires on XX/XX/XXXX. I took no actions which would legally allow Jefferson Capital Systems to take this action.

Jefferson Capital Systems continues to report negative information to the 3 credit reporting bureaus which have inhibited my ability to receive favorable terms on a mortgage and two car loans.
Consumer complaint received 2019-02-01
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. (GA)

XXXX XXXX are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

In XX/XX/XXXX I began my undergraduate studies with the XXXX  XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my graduate studies in XX/XX/XXXX with XXXX  XXXX XXXX and completed my graduate studies in XX/XX/XXXX. I was also enrolled at the XXXX  XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their graduate level Project Management Certificate Program, these credits were later applied to a graduate degree in project management with the XXXX  XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX  XXXX XXXX ( XXXX ) program for my student loans. On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my total and permanent XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I had 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. On my Experian credit report I have multiple accounts listed that are duplicates : Experian XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXXT XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX   XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2019-02-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX XXXX $ secured credit card. 
{$300.00} ... 

This card was requested to be closed utilizing the funding i put as a deposit to pay off the debt and close it over 7 years ago ... 

Advised it would be taken care of. 

Then i started receiving late payment notifications to which i requested card and account be closed and relinquished. From XXXX $ debt. 

They refused to take XXXX out of my XXXX ... And in turn charged me over 450 in fees that is what the debt is. 

They screwed me out of XXXX and my credit rating ... 

This needs to be completely reviewed and cleared
Consumer complaint received 2019-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

Receiving MULTIPLE calls a day from Navient about my 'debt. ' I have no account with them. They are clearly looking for someone -else-, however they leave no reference to the name or account number in question. 

When I called to try and deal with the situation ( twice ), they tell me they can't stop calling because I only have my phone number as a reference ; they required a name or account number. I tell them they aren't LEAVING a name or account number in their twice ( or more ) daily calls, and ... silence.

I asked for a manager ; they say one will call me back ( which didn't happen ). They call multiple times a day from different numbers ; I am a professor and I have to open these voice mails over and over to see who is calling me and ensure it isn't a student who needs my attention. This is harassment at this point. I even tried writing a Cease and Desist letter to their corporate headquarters, which was then returned as undeliverable.
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX    XXXX, XXXX XXXX XXXX, BARCLAYS BANK DELAWARE XXXX,
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Experian, XXXX, XXXX, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX  stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs. 
According to XXXX XXXX the issue is with Experian, XXXX and XXXX reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed. 
Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX claim these are changes to the account they did not authorize or initiate. This constitutes fraud. 
Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly. 
[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Prior to Covid-19 we were in the process of refinancing one of our homes with Wells Fargo. We went through the application process and provided several documents as requested by the financial institution. This process continued for months to the point our file was extremely large and even had to resign a lock rate sheet to ensure our rate was locked in.

After Covid-19 happened Wells Fargo changed their policy regarding refinances for second homes. However a new credit inquiry was submitted on my credit. As a financial institution if you already know that you were going to deny me loan why would you rerun my credit? This practice is typically done prior to closing. I have requested the 2nd inquiry be removed off my credit. XXXX XXXX XXXX rejected this request with a ridiculous letter that explained how correct they were in their practice. 

As a large financial institution that is continuously in trouble for terrible business practices and continuously being fined I would think after reviewing my case and simply removing the inquiry would have been so much easier than a CFPB complaint. You have wasted several salaries between mine, the CFPB 's and your own employee that has to research and respond to this complaint. I would like the inquiry removed and a formal apology for the deception I was placed through for over 5 months during your refinance process. Learn how to be in touch with the community and the people you lend funds to.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Total Card, Inc. (MD)

I was a victim of Identity Theft, credit cards were opened in my name fraudulent. Total Card Inc ( TCI ) sold the account to XXXX XXXX XXXX, XXXX, ( XXXX ) when XXXX reached out to me I explain it was Identity Theft. On XX/XX/XXXX, XXXX investigated my dispute and closed the account for Identity Theft XXXX attached ). I received a letter from TCI on XX/XX/XXXX dated XX/XX/XXXX, that TCI did an investigation and I liable for them. I talked to XXXX, she stated the account where not in their office, they were sold to XXXX. Since TCI sold accounts and it was found I wasn't liable for them. I advised XXXX I was going to get a lawyer. Reporting false information to credit bureaus is against the law. 
On XXXX, I talked to XXXX, she advised me to send the reports to XXXX, I agreed but I informed her I was going to CFPB. 
Attached is the police report to show Identity Theft for fraudulent credit cards and unemployment claims by Officer XXXX, XXXX.