davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-10
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-06-21
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. (OH)

Dear Sir/Madam, I am writing to request the immediate removal of fraudulent accounts that have appeared on my TransUnion credit report. I have recently discovered these unauthorized accounts and wish to rectify this situation promptly. As a victim of identity theft, I kindly request your assistance in resolving this matter. 

The fraudulent accounts listed on my TransUnion credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX I would like to emphasize that I have never had any dealings or financial transactions with the entities associated with these accounts. The appearance of these fraudulent accounts has greatly affected my creditworthiness and has caused significant distress. I have meticulously reviewed my financial records and can confirm that there is no legitimate reason for these accounts to be present on my credit report. 

Given the circumstances, I believe it is crucial to investigate the origin of these fraudulent accounts. I am unable to provide any concrete evidence regarding how these accounts were established, as I have no knowledge of their origin. However, I assure you that I have been diligent in monitoring my credit report, and I would have taken immediate action if I had noticed these accounts earlier. The delay in discovering these fraudulent accounts is a testament to the cunning and sophistication of the identity thieves involved. 

I would like to bring to your attention that, as a consumer, I am protected by various laws and regulations, including the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 611, it is my right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, Section 605B of the FCRA stipulates that fraudulent accounts resulting from identity theft should be promptly removed from my credit report, once their fraudulent nature has been established.

I request that you thoroughly investigate the legitimacy of these accounts and take immediate action to delete them from my TransUnion credit report. This will help restore my creditworthiness and protect my financial standing, as well as provide me with the peace of mind that comes from resolving this distressing situation. 

Enclosed with this letter are copies of my personal identification documents, including my driver 's license and Social Security card, to verify my identity and aid in your investigation. I trust that you will handle this matter with the utmost urgency and professionalism. 

I sincerely appreciate your attention to this matter and anticipate a prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your understanding and cooperation. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have submitted several request to transunion to provide proof of validation of debt I have not received a response it has been XXXX days. the debt companies reporting I have not signed any documentation with this company. My personal information has ben provided without approval. Transunion has disregarded my request to rectify this.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank account, had traces of fraud. Bank did not attempt to contact me by email or phone in regards to account having unusual activity. Multiple stimulus checks were deposited different names of people, And unauthorized transaction were made through my XXXX account. The bank didnt not attempt to contact me until 2 days later when my bank account was left at XXXX. I attempted many times to resolve this issue with the bank directly and had no luck. I soon had a police investigator look into the matter and they refused to release any further information, and soon froze my account and denied me access to my XXXX account. Since then the bank has failed to grant me any further evidence for the past year that may help me resolve this issue.
Consumer complaint received 2017-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Bureau of the South, Inc (LA)

I recently checked my credit report after not checking it for years and I noticed som e medical collections  that are inaccurate. Not only did I not receive any notices in the mail from the hospital or the collection agency, I believe these medical debts are a mistake. I made nor signed any contract with  XXXX   XXXX   XXXX . I kindly ask that these collections be removed from my credit report because they cant be mine. They are as follows ;  XXXX  Certified Bureau Of The So Col Original Credit or-    XXXX   XXXX   XXXX   XXXX   XXXX   Opened Date-   XXXX   XXXX ,  2013    Balance- {$230.00}  XXXX - CB  South Original  Creditor-  XXXX   XXXX   XXXX   XXXX  Opened Date-  XXXX   XXXX   ,   2013 Ba lance- {$230.00}
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-06-06
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. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX and I disputed some information on my credit report. My identity was used without my permission to open items with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many other collections. I disputed this with the XXXX bureaus on XX/XX/XXXX and i received a response from TRANSUNION & XXXX saying I did not authorize this dispute.
Consumer complaint received 2023-08-21
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: Spring Oaks Capital, LLC (FL)

Spring oaks capital llc who's original creditor was XXXX XXXX and XXXX XXXX XXXX reported accounts I never opened with them, I asked them to provide me with the original contract that stated I owe debt and signed for the debt but they never presented me with it I've tried disputing these items but nothing ever happened, I'm asking that you help me get these accounts removed immediately
Consumer complaint received 2019-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

A mortgage in the name of my husband with XXXX XXXX   and a mortgage in my name with XXXX were recently transferred to LoanCare LLC. 

I am writing to request strongly that they be investigated, and severely penalized, for their processes - they have customer financial information but their systems have no capability to handle it. I am extremely concerned that our information can very easily be acquired for fraudulent purposes. 

When they imported my husband 's mortgage information, they did it incorrectly. Our unit number is missing from our address on their records to this day. I literally spent on the phone with them initially to try to get it corrected. No one there knows who does what and they bounced me around from one person to another. They finally told me to send an email to their customer service address, which my husband did on XX/XX/2019, while signed into his account. We saw an acknowledgement on the screen saying the email had been received. However, no copy was sent to the registered email address on the account. 3 months later, that address has still not been corrected. 

My mortgage was transferred to them effective XX/XX/XXXX. It is now nearly XXXX and I still am unable to create an account online on their site. They have sent me multiple emails to reset the password, but none of them worked. I asked their customer service representative on the phone for help - it still didn't work. 

Please, please, this company needs to be shut down. They have no legitimate qualification to be in financial services. They are a bad nightmare to deal with, obviously staffed and managed by blithering XXXX  and a huge risk to the people whose financial information they now hold.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Called XX/XX/XXXX to get a refund for payments i made during Covid. Was told it would take 14 days for a refund and my balance would come up to original state in 5-7 days. It was then XXXX  and I called them to follow up on a statues and was told it can take up to 60 days but my request was submitted according to the rep and waited on the line for 3 hours before finally speaking to them. It is now XXXX  and I have yet not seen any action on my end my loan balance is the same and I have not seen my balance go up or even see a refund in progress on my bank account.
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp. (CA)

Vehilce was purchased XX/XX/2016. The vehicle was financed through XXXX XXXX and the loan was sold to XXXX XXXX XXXX  XXXX. The legal owner transfer was initiated but never finished by the lienholders. Although my registration is currently paid, I have since been ticketed and am unable to get my current registration or tags.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to report a problem with a debt that I have been told I owe. I have not been provided with enough information to verify that the debt is accurate, or to dispute it effectively. 

I have received communications from a debt collector stating that I owe a certain amount of money, but I have not been given any details about the origin of the debt or the transactions that led to it. Without this information, I am unable to determine if the debt is legitimate or if it has been accurately calculated. 

I have requested that the debt collector provide me with more information about the debt, but I have not received a satisfactory response. I am concerned that I XXXX be the victim of debt collection abuse or fraud, and I am seeking your assistance in resolving this matter. 

I would appreciate it if you could help me obtain the information that I need to verify or dispute this debt. Please let me know what steps I can take to address this issue. 

Thank you for your help.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

On XX/XX/2023, I navigated to the XXXX website to temporarily un-freeze my account so that a vendor could verify my credit history. I was unable to log onto XXXX although I could log onto XXXX. The XXXX XXXX site would not allow me to unfreeze my account, and I was unable to log onto the XXXX site so that I could unfreeze there. ... The " forgot password '' function did not recognize my information ; however, if I tried to set up a new account the site said " account already exists. '' ... I called customer support, and got the same error message with their assistance. Customer support said I needed to talk to someone else " by phone '' ( I was already on the phone ), and they transferred me to a generic auto attendant to enter information that I'd already provided. ... I tried a handful of other numbers and got the same auto attendant. It kept redirecting me to the website, or offered to follow up by mail. At no time could I access a live person. ... So, I spent about 2 hours in circular customer support directing me to the same sites and auto attendant that did not fulfill the need. ... I finally reached out to XXXX via XXXX and got a message " we're gone for the day ''. ... After several hours of this mess I gave up. I can not unfreeze my XXXX  account, and this has caused problems with setting up a new account with an ISP, so I can't yet get Internet service at my new home. And this mess just a day after selling and buying a house/condo all in one day. I can do major transactions easily but can not do a simple unfreeze and its messing up my life.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Ocwen became our mortgage servicer immediately upon our purchase of a 2nd home 11 months ago. 1st we were told to wait 6 months and then send a written request for an Escrow Acct Waiver. We sent our written request after 11 months of on-time payments. Our request was denied. 1st they said it had to be 12 months, then the escalation manager at  Ocwen said XXXX XXXX  's policy was 24 months. Well, I called XXXX XXXX and their escalation manager told me that the " time needed to have an escrow acct was entirely up to the servicer ''. We have no other debt, we have made all of our payments on-time for 11 months, our value-to-loan ratio is very low ( about 25 % loan ), we both have excellent FICO scores, and our 1st home is  mortgage free. 

What is Ocwen 's problem - is it that they want to hold our money interest-free for another year? or is it that they have no idea what they are doing?