davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (FL)

I just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my credit report.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (AL)

on XX/XX/2021, i sent a letter to NATIONAL CREDIT ADJUSTERS , LLC about a alleged debt of XXXX $ that they are reporting negatively on my credit that i dont owe.i have never done business with them nor do i owe this debt. i sent the letter out usps certified mail on XX/XX/2021 w/tracking # XXXX and they got it on XX/XX/2021 and has not responded to me.please get this inaccurate item from my credit report.
Consumer complaint received 2021-08-11
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. (DC)

ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-07-26
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. (GA)

I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and XXXX behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with this.
Consumer complaint received 2021-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have these accounts that are not mine and i want them to be removed from my credit report. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (FL)

Real Time Resolutions ( RTR ) claims to be servicing this HELOC debt ( see attached ). RTR also claims that XXXX  XXXX XXXX is the investor. XXXX XXXX XXXX  denies any affiliation with the debt based on prior QWR demands responses issued by them The HELOC loan was originated with a {$36000.00} high credit limit ( attached ). On XXXX, RTR claims they took over all servicing rights which left them with the responsibility to retain past and present accounting records per HUD and RESPA law. Since this is a revolving line of credit, there is interest that compounds daily with interest with a monthly payments due based on the outstanding balance. The line of credit description is clearly listed on the mortgage ( attached ). On many occasions I have requested full accounting records and RTR has refused to provide them. This is a clear violation on HUD, RESPA and CFPB law. Over the many years that this loan has been serviced the balance has been paid down to {$12000.00}. I am now seeking to pay off the debt and RTR has refused to issue a formal payoff with the correct balance of {$12000.00}. The only issue arbitrary collection notices that do not reflect the accounting and servicing records that are required per the FDCPA.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

This complaint is about an unfair business practice by TD bank that resulted in a precipitous drop in my daughters ' and my credit rating. 
I am writing on co-signer for a personal loan that daughter took out from TD bank in XXXX while living abroad. ( In addition to the loan my daughter had a Savings and Checking account with TD bank which always had a healthy balance ). The loan was signed through a power of attorney provided by my daughters ' sister who lives in the US. 
My daughter set up an automatic monthly debit and paid every single installment of the loan on time. The last time her account was debited ( in XX/XX/XXXX ), she assumed she had paid off the loan. However, in XX/XX/XXXX, I noticed that my credit score had dropped precipitously. I investigated the drop and saw that there was an indication of an overdrawn loan from TD bank. I informed my daughter who contacted TD and was informed that the last installment of the loan could not be paid via direct debit, but through a financial services institution. My daughter never received any notices via mail, email, or telephone that the final payments had to be made through another method. When she phoned TD to complain they said that the final loan was overdue which justified their action.Until then my daughter had never once missed a loan payment, but because TD made no effort to inform her, or me, about the last payment method, both of our credit scores ( see attached ) were severely adversely affected. 
My daughter filled out the TD online form asking the bank to correct the information provided to the credit bureau so as to reinstate the previous excellent score we both had. TD bank responded that they had done nothing wrong and refused to take any action. 
I then contacted a local representative in XXXX NJ where my daughter had opened the original accounts asking for help in resolving this unfair practice and to rectify it. Last week I heard back from her that the bank would do nothing about it.
Consumer complaint received 2021-08-11
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. (CT)

I have repeatedly disputed these negative items on my report they are still appearing with on my report the credit bureaus have failed to give me proper proof of how theses accounts are mines. the information is misleading and false which is a consumer law violation 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section these items have been disputed well over a MONTH AGO WITH NOTICE WITH NO REPLY WITH NO ANSWER
Consumer complaint received 2019-03-03
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. (IL)

I am a victim of Identity theft/fraud.

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX XXXX XXXX   XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2019-03-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd. (GA)

I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX XXXX XXXX  If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.
Consumer complaint received 2019-03-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and National credit adjusters/XXXX XXXX If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, XXXX, TRANSUNION, XXXX..TO REMOVE XXXX  XXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CT)

My federal student loan servicer, Fedloan Servicing, is engaging in fraudulent and irresponsible behavior in handling my account and in their service with regard to my Stafford Federal Student Loans, which was taken out during XXXX school. I have been diligent in repaying my outstanding loan balances starting in residency, and have continued to repay the balances during the COVID pandemic. I have paid off all outstanding interest and down to a principal balance of XXXX in that exact dollar amount. However, in XXXX, XXXX, without any notification or explanation, my balance was mysteriously revised upward from XXXX to XXXX while the entire country 's federal student loans were on hold. There has been no documentation or explanation on the service portal/online to explain the reason for the balance change. I contacted Fedloan Servicing by phone on XX/XX/XXXX and was on hold for 1 hr and 45 minutes, spoke with representatives ID # XXXX and ID # XXXX. I was informed this is a correction sent by the Board of Education for interest not charged by XXXX XXXX, my previous servicer from XXXX to XXXX. No explanation of the charges was provided, no timeline of when they should have been charged or an itemized bill was provided. Absolutely no notification was provided by FedLoan or XXXX XXXX, and according to their agents, aside from a total charge, no other information is available. Neither party has taken responsibility for their accounting error, or provided any documentation to support these charges beyond passing on these mysterious charges to me. I have lodged a complaint with their financial board and I am reporting this as fraudulent activity and accounting error that is now being passed on to me, the consumer.
Consumer complaint received 2023-03-11
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. (GA)

In accordance with the Fair Credit Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2021-08-10
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XX/XX/2020 {$43.00} This collection agency is reporting on my credit report fraudulently and is assumed to be as a result of communication abuse and fraud. According to 15 usc 1692g I am requesting a copy of any document bearing my signature with blue ink stating that I agree to pay any debt. I do not know where this account came from nor do I validate it. It is not valid and is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XXXX my phone was stolen I looked and searched for my phone couldnt find it my bank apps was on my phone I called my bank to inform them of the fraud charges that was being done on my phone I wasnt able to use my card as well the bank froze my bank And I reported my phone missing to my phone company filed a police report and started my claim with the bank I sent the Bank of America my police report and the requested and then I was asked to send proof that I reported my phone missing to my phone company and disconnected my line as well I sent those documents both claims were denied I called numerous of time and was told my account was getting closed and I also notice while at work my account that was froze had been unfroze due to the fact the bank was closing my account and couldnt give me further information I called back numerous of time to be giving different stories one representative would all now access to my account then call back another would not give me any information this all started happening once I sent on my document that was requested showing that I reported to my phone company my phone was missing.I even drove to the bank to identify myself
Consumer complaint received 2021-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have an account on my ( 3 ) credit bureaus, the account is Bank Of America.

I contacted them a year ago and submitted a fraud claim, due to the account not being mine. I was informed to move the process along that if I paid the account off, that the account would be removed from my credit reports. 
Not just cancelled, removed permanently. 
I have spoke to several representatives and they have stated that they account should have been removed but it still is reporting inaccurate information to my credit reports. I keep getting transferred over and over again, I need this removed as soon as possible as promised.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (GA)

I have filed several complaints about Ocwen Loan Servicing about inaccuracies they have reported to the credit bureau. They removed it after I filed several disputes, However it has returned on my credit report on XX/XX/XXXX causing me to drop 40 points. I was told by a PHH representative that It has been reported that on XXXX of XXXX I was XXXX dats past due during a transitional period when my loan was transferred from Ocwen to PHH. I have pulled my credit report and it only shows I was late in XXXX & XXXX of XXXX. I have researched my payment history with my bank and found XXXX payments that appears to be made in XXXX and XXXX in XXXX that verifies I was on time. I have attached the proof documents to this complaint.
Consumer complaint received 2021-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (CO)

I had a debt that I did not know about until I heard from the collection agency from a leftover ambulance payment when my XXXX XXXX XXXX XXXX. I paid the max deductible from my insurance company so I should not have had any lingering medical bills to pay for in the first place. The day I heard about this debt I called the agency to pay my debt. I specifically requested on the date of the call that if I could pay off the entire debt that it would be completely removed from my credit history. The original person from national service put me on hold to check with XXXX the manager to assure that the negative report to my credit would be removed. The company told me if I paid in full that it would be taken care of and have no penalty on my credit report ( XX/XX/XXXX ). I called the company back asking for them to give me a letter on their letterhead that my debt should be removed so I can work this with the bureaus and clean this up myself as they never did. They agreed on XX/XX/XXXX to give me this letter and they have not given me this letter back. This has caused my credit score to drop 120 points. Please request a copy of my recorded call from XX/XX/XXXX as proof of this interaction.
Consumer complaint received 2021-08-11
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. (SC)

My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.
Consumer complaint received 2021-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (NY)

On XX/XX/2021, I did a credit application on Upgrade, INC 's online website for an {$8000.00} credit extension.

After the final stage of the application, Upgrade, INC stated I was " Not Approved '' subject to credit reporting information and subject to an artificial credit score.

I am the original creditor, I am the consumer, and I am the natural person in fact.

How can Upgrade, INC denied me my own credit? What law says any financial company can deny me my own credit?

By signing the application my signature gave Upgrade, INC credit.

Fact is that Upgrade, INC is doing fraud.

Fact is that Upgrade, INC is terrorizing me.

Fact is that Upgrade, INC gave me no benefits for my credit application, therefore no benefit to a natural person is an Unauthorize use therefore Upgrade, INC is illegally using my personal information to obtain credit on my behalf. That is Identity Theft.

Upgrade, INC is in federal violation Pursuant of 15 USC 1681m, a Denial is only for Insurance and Employment Only.

A copy of the Adverse Action letter is proof that Upgrade, INC robbed me.