davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to me being a victim of identity theft have unauthorized accounts that appears on my credit report. A trouble some of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my XX/XX/XXXX, Transunion, and XX/XX/XXXXcredit report due to my identity been stolen. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (TX)

These accounts I never opened yet I disputed and come back as accurate, no where I signed a contract in person or online possible fraud / identity theft I never used or charged these cards. XXXX opened XX/XX/XXXX charged off XXXX, XXXX XXXX opened XX/XX/XXXX charged off XXXX, XXXX XXXX opened XX/XX/XXXX charged off XXXX, I am retired 24 years and have not opened these accounts
Consumer complaint received 2021-01-11
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: BARCLAYS BANK DELAWARE (MI)

I have noticed that account ( Barclays Bank Delaware ) is reporting on my report. This is not my account. Im not the primary account holder. I was added as an authorized user fraudulently. The primary account holder and the credit card company wont remove me without the primary account holders permission. The account is not my account. InXXXX 2020, I contacted the company to ask that I be removed but was told I needed the last four of the primary account holders SSN, which I didnt have because it was unauthorized.
Consumer complaint received 2021-01-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

I was contacted by Freedom Mortgage to refinance my current FHA mortgage I have with them, my rate would drop from 4.25 to 2.125. In XXXX, XXXX I signed and filed all the completed paperwork. I was scheduled on XX/XX/XXXX to meet with a Notary at my home to sign the new mortgage documents. My XXXX year old daughter who lives with me is a nurse and came down with COVID, I called the Notary and asked if we can meet elsewhere or reschedule due to COVID. She opted to be safe and reschedule. My reschedule date was canceled by Freedom Mortgage due to a {$200.00} issue with my second mortgage. Since XX/XX/XXXX to current, XX/XX/XXXX, I have been emailing and calling my contacts at Freedom Mortgage to get this process completed. I had it escalated to a manager and received a new contact. I spoke with the new contact before XX/XX/XXXX, I emailed & called him for an update on XX/XX/XXXX, today is XX/XX/XXXX and I have not heard from him. My monthly mortgage payment will drop by {$400.00} a month. Freedom Mortgage is costing me {$400.00} a monthly, in total {$1600.00}, by not finalizing my refinancing. Please help, during this COVID year, groceries, food have increased. I have XXXX adult children living with me & could use the {$400.00} extra.
Consumer complaint received 2023-02-09
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$460.00} XXXX XXXX XXXX : {$690.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (SC)

I reported my credit cards as stolen. I called citi bank as soon as I was aware of the theft. Cards are in my office desk drawer and the office was closed due to Covid so I didn't know they were gone as quick as I would if the office was open. At my call they told me they would send me the paperwork and a new card. This never happened. I called them several weeks later because I was getting calls from furniture companies where someone had used the card in my name to order. I called citi again to tell them the card was still active and not to process it. I was informed they could not speak to me because I didn't have a code. I tried explaining 4 times that someone had stolen my cards, I had filed a police report for all the missing cards, not just there's. They not only mailed the thieves a new card, but the dispute paperwork. They refuse to talk to me and continue to allow someone else to run up bills I am sure they have no intention of paying till they max out the cards. Because I don't know the code I can't cancel the cards.
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I sent a money transfer via moneygram at an in store location to my reciever and he was told that the transaction was canceled. When I tracked the transaction it said the money was picked up. I called moneygram and I was asked for the address and phone number of the store and was told my complaint would be escalated. My receiver was told on two different occasions that he went to speak to the director that I would have my money returned to me within days. It has been more than 10 days and I had to dispute the charges with my bank. Moneygram had issues with thier systems. I was sent a screen shot of the error their computer gave when trying to track the transaction. This is the tracking number : XXXX. The directors name who spoke to my receiver XXXX XXXX, is Mr. XXXX. Address XXXX XXXX XXXX XXXX Phone number is XXXX XXXX XXXX XXXX XXXX. I spoke to a man named XXXX at the moneygram escaltion department. No one has reached out to me or contacted me. And now I can not even log into my moneygram account. This transaction was created on XX/XX/XXXX.
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

In the fall of XXXX in XXXX or XXXX service was rendered at the doctors office and submitted to my insurance company. This was supposed to be paid by my insurance but In the months that followed which is now year XXXX during the month XXXX I was notified of non-payment from my medical office. I contacted my insurance where I was informed the medical office submitted the wrong code for payment and had to be resubmitted with the right code to be paid. I notified the medical office and gave them the information from the insurance company. I figured everything was finally cleared up when I noticed this month XXXX that it has been sold to a collection agency because its now on my credit report.
Consumer complaint received 2023-03-05
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. (PA)

According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question. 

15 USC 1681i 15 USC 1681 S-2 Account : XXXX XXXX Amount : {$100.00}
Consumer complaint received 2023-02-09
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. (AR)

I was a victim of identity theft and this is another request to block and remove the information from my credit file resulting from the identity theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/ any accounts and information not later than 4 business days after XX/XX/XXXX. I need you to remove the following items off of my Credit File : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive already included this report in my previous complaints & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: OKCoin USA Inc. (FL)

Goodnight. 

For more than 90 days, the cryptocurrency platform OKCOIN ( https : //www.okcoin.com ) had almost XXXX USD on its platform and says that my money is not available for withdrawal, claiming that they are validating my info. 

They have requested my personal documents, they have requested payment receipts, they have requested bank movements, as well as a series of personal documents which continue to be validated to this day ... as you can see in the attached document, I have sent more than 100 emails asking for my money to be returned to the bank or to be able to withdraw the cryptocurrencies but I always get the same response that they are validating the information This has already caused me a lot of loss of money and time, I had my wife sick and I had to ask for a loan because I couldn't count on this money I request please intervene with the okcoin platform and my money is returned to me as soon as possible this are the email that the personal who I send the info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.okcoin.com thanks for your help
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this unverified, inaccurate and fraudulent data. The bureaus have multiple credit profiles for me. This is a violation of my consumer rights. Please correct my name, address and delete all negative data from my consumer report immediately.
Consumer complaint received 2023-03-16
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX & XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This complaint has to do with the one I have related to XXXX  XXXX  XXXX, I contacted PRA to alert them of the situation with XX/XX/XXXXand told them to contact me directly for either payment or payoff. The company chose to close my accounts and say I was delinquent adding more comments to my credit report, I have sent them a second email and If I have to send a 3. I will be taking them to court to settle it there. The amount that was negotiated still stands or I'll go lower. I am attaching their said amount to what was negotiated. If I find out they have a special dealing with XX/XX/XXXX, then I will proceed with a class-action suit.
Consumer complaint received 2024-03-22
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. (PA)

I have sent a letter on the XXXX XXXX XXXX to all 3 credit bureaus and included actions that were required by the credit bureaus to provide a more accurate consumer report. So they are in violation of the FCRA more specifically, 15 USC 1681a, 15 USC 1681b, 15 USC 1681c ,15 USC 1681 ( 2 ) ( A ) ( i ), and lastly 15 USC 1681n as well as the Privacy Act section 4. I also gave them 5 business days from acceptance of the letter to cure the situation or else I would find them guilty of violating the FCRA and Privacy Act and invoke the willful noncompliance act that is listed in the letter.
Consumer complaint received 2023-03-16
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Open Date : XXXX XXXXXXXX XXXX  Balance : {$0.00}.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (PA)

I received my credit report in the mail and notice this account on my credit report is incorrect. I then mail them a certified letter asking them to send me documents to Show me I owe the money they say I owe. The letter I sent out to this company got sent back to me as return to sender no such address exist but that is the address they are reporting on my credit report which is incorrect and grounds for the deletion.
Consumer complaint received 2023-03-16
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. (NC)

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

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

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-10
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: WAKEFIELD & ASSOCIATES, INC. (OH)

i just got this account deleted from my credit report. HOWEVER it was on my credit report with WAKEFIELD & ASSOCIATES! But because the collection agencies are so CORRUPT, they deleted it because they HAD TO! They just merged with Revenue Recovery CORPORATION and put it back on my credit report under the merging companies name!!! Which is REVENUE RECOVERY CORPORATION WHICH IS A VIOLATION! This account was already deleted because it COULD NOT BE VALIDATED! THIS IS A VIOLATION!!!! YOU CAN NOT PUT THE ACCOUNT BACK ON MY CREDIT REPORT UNDER ANOTHER CORPORATIONS NAME AFTER IT HAS ALREADY BEEN DELETED BECAUSE YOU DID NOT VALIDATE IT!!! THIS IS A VIOLATION AND FRAUD!!!! Nor have i ever heard of REVENUE RECOVERY CORPORATION! Who are they?! I the CONSUMER have never done business with or signed a contract with this CORPORATION! IT IS A VIOLATION FOR THEM TO FALSIFY ACCOUNTS ON MY CREDIT REPORT! ITS ALSO A VIOLATION FOR XXXX  TO REPORT FALSE ACCOUNTS ON MY CREDIT REPORT WITHOUT PROOF OF THIS ACCOUNT BEING VALID! THIS IS A VIOLATION! AND FRAUD!!!!