davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK (CO)

I took out a HELOC loan with TCF bank in XXXX of 2020 for {$100000.00}. The account number is : XXXX. I have subsequently decided to re-finance my primary and HELOC mortgages into a new re-finance with only one payment going to the new mortgage company. When a credit report was run by my broke, two accounts were showing as liens. The aforementioned account in the amount of {$87000.00} and a second account number XXXX XXXX XXXX in the amount of {$34000.00}. The total of these two accounts equals {$120000.00} which is NOT the amount I borrowed. I just called TCF and finally spoke to an associate ( XXXX ) who informed me that only one account was open, the original XXXX. When I inquired as to why there were two account, he abruptly replied, " Because we merged '' ( TCF merged with Chemical Bank after my loan was finalized ). I then inquired how to remove this second account from my credit report and he said to contact the credit bureau. I knew this was absurd as they have no control over what is put on the report. They only report what is there. I informed him that this is not the credit bureau 's responsibility and that TCF is responsible for this. I did not receive an answer from him. 
I immediately called my mortgage broker ( XXXX XXXX  ) and told her the situation. She indicated they would request a payoff to see if both accounts would be removed from my credit report. I am extremely concerned about the {$21000.00} overage due to TCF 's poor account measures and do not want this affecting my credit score which I'm sure it already has. Moreover, I need to re-finance this mortgage if for no other reason, to remove myself as a TCF customer. I have had several problems attempting to contact them and establishing myself on their website since the merger.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting I owe {$4100.00} on my report I have sent serval affidavits but no response and should be removed because its not permissible its on all the credit reporting agency and its stopping me from buying a home for my family. And by law 42 U.S.C 666 Reporting arrears to credit Bureaus 15 US Code 1681 e compliance Procedures 15 US Code 1681 i Procedure is case of Disputed Accuracy
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (WA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2021-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conduent Incorporated (NV)

On XX/XX/XXXX a deposit of XXXX was received on my card. On XX/XX/2021 I electronically transferred this amount to my bank acct. On XX/XX/XXXX I received a deposit of {$690.00} and also electronically transferred to my bank account. I was charged XXXX per transaction and it showed the deposit cleared from the card with confirmation numbers. After 2 weeks the money did not show in my account. I called Way2Go. XXXX bank and conduit. Conduit confirmed the routing and acct number was correct and said that NV Unemployment does not allow bank deposits, but the money would be returned to the card within 10 days. I checked with NV unemployment they stated this was not true and would escalate to a supervisor. In turn conduit sent me a dispute form to see what happened. The dispute form was returned to them on XX/XX/2021. To date the funds have not been deposited to my account nor returned to the card and no one is returning phone calls or my inquiries nor can tell me where the funds are.
Consumer complaint received 2022-08-20
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. (PA)

XXXX XXXX  is reporting I owe {$4100.00} on my report I have sent serval affidavits but no response and should be removed because its not permissible its on all the credit reporting agency and its stopping me from buying a home for my family. And by law 42 U.S.C 666 Reporting arrears to credit Bureaus 15 US Code 1681 e compliance Procedures 15 US Code 1681 i Procedure is case of Disputed Accuracy
Consumer complaint received 2021-08-27
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)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2019-10-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$12000.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 )  bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-05-06
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. (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 : Original Creditor : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DEPTEDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX COLLECTION AGENCY : USDOE/XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (FL)

I sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

Hi, I am having a problem with my mortgage servicer. They are denying me the right to obtain the appraisal value as i am in default and trying to short sale my property. By law i am entitled to the appraisal value of my property within 3 days of appraisal. name of company refusing to cooperate is Selene my loan number is XXXX. They are forcing me to foreclosure and discriminating on my financial status. I have numerous appraisers stating that banks are having them increase the value of the home to a number that is not comparable to the home price. They are manipulating the system to force homeowners to foreclose
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

I checked my credit report in early XX/XX/XXXX and saw a debt that had gone to collections for a company called Synchrony in the amount of {$2000.00}. Per the credit report, that account was opened on XX/XX/XXXX. I never opened that account. While I have no direct proof, I believe that the aunt ( XXXX XXXX ) of my estranged XXXX XXXX ( who has custody of said daughter ), fraudulently opened this account to buy furniture. A company called me around the time the account was opened and told me that I bought some furniture and I had not and told them so. In any event, I certainly did not open this account and this is not my debt. I contacted the fraud department at Synchrony, but they asked me to provide my SSN, which I was not comfortable doing, especially given the circumstances.
Consumer complaint received 2022-06-30
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-30
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: Capio Partners, LLC (SC)

In accordance with the fair credit reporting act XXXX Account # -- -- --, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from Capital One. I have never entered an agreement with XXXX XXXX and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between Capital one and XXXX giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay XXXX. They can also include the contract with my wet signature showing an obligation to Capital One. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. Capital one allegedly charged this debt off and I have not received a 1099-C for their write off!
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I FOUND SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES DOES IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE ME. THE ACCOUNTS AND INQUIRIES WAS NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE THE ACCOUNTS AND INQUIRIES REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2021-05-18
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)

A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX This company is reporting that this account was included in a bankruptcy. However, I opened this account on XX/XX/XXXX. I totaled this vehicle on XX/XX/XXXX and it was completely paid off and in good standing by insurance. 
They have reported the status date of this being XX/XX/XXXX when this vehicle was already paid off completely by insurance in XXXX. They're reporting fraud and inaccuracies on my credit report.
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have been charged a late fee of {$39.00} every month for the year despite making payments. This is in addition to 24 % interest charge as well as annual fee. Also, the institution is reporting me to the credit bureau affecting my credit in disfavor lowering my rating. I was making payments of $ XXXX monthly while I was on travel which was communicated to a representative before my trip of a destination with no internet access.
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accscient, LLC (AL)

continue to get phone calls as well as credit dropping from impacts of various charges on my account. unsure why im being charged when i have a XXXX card, i recieve XXXX and XXXX. there are XXXX charge from them on my credit as of now
Consumer complaint received 2020-08-27
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: EQUIFAX, INC. (SC)

On XX/XX/20 I contacted Equifax to purchase a Credit Watch Product from them. The first rep I spoke with, XXXX had me on the phone for 53 minutes after I gave him my debit card info to make the purchase. He checked in periodically to tell me to continue holding as he was having system issues. After 53 minutes the call was disconnected. I called back and spoke with XXXX. Again told to hold and the line was disconnected. I called back and spoke with XXXX and she told me I needed to send copies of my social security card and drivers license. I advised her I had already sent that in. They have it on file. She said there was nothing she could do but transfer me to XXXX XXXX XXXX. I asked if my card had been charged and she said she could not tell me that and transferred the call abruptly to them. The lady I spoke with, XXXX said they did have the docs on file already but I would need to speak with Personal Solutions to order the product. I advised I had spoke with 3 people in that department already. She said they were 2 different departments and they could not communicate with each other. I got no resolution at all. The information belongs to me but it as if they are holding it hostage and making it impossible to get. I have a job offer pending receipt of this information and do not want to miss this opportunity because Equifax is fraudulently withholding my credit information.