davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER XXXX XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER XXXX XXXX
Consumer complaint received 2020-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation (GA)

An Unauthorized payment from my account by 1st Franklin Financial Corporation in XXXX, XXXX Basically fraud. A payment was issued from the company without permission. In XX/XX/XXXX, I made authorized a payment on behalf of my cousin XXXX XXXX living in XXXX XXXX, GA over the phone. I confirmed it would be a one time payment and that my information was not to be saved on the account. Yesterday, XX/XX/XXXX a charge appeared on my account from the company for my cousin 's account. I informed her of the pending transaction and she assured me she had called and gave her card number for the payment. She called 1st Franklin to make them aware of the error and stated that T**** the representative said it can not be corrected or reversed back to my account. I also called the company and was transferred to T*****. The male person that answered said I had the wrong number. The amount of {$190.00} posted to my account this morning. This is fraud. It was not authorized and they stored my information. So basically they have my account information to do what ever they please with it. To say they will not correct the mistake or if it was on purpose should be illegal. Now I have to pay my bank to attempt a dispute for an account THAT IS NOT EVEN MINE to begin with. I need someone from the company to contact me ASAP. I did not give authorization for the payment on XX/XX/XXXX only the previous payment in XX/XX/XXXX where I called myself to the XXXX, GA location. My cousin also tried to have the payment reversed because they also completed the payment from her card, so they have two payments - one not authorized. My personal information has been illegally compromised. XXXX / XXXX
Consumer complaint received 2021-10-19
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. (WI)

On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the XXXX, XXXX and Experian to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: S&S Physician Services, Inc. (TX)

My credit report shows a medical collections account that shows unpaid. I have paid this account ( in XX/XX/2019 ) and have a payment receipt. I have requested the collections co. ( Harvest XXXX ) remove this negative information multiple times and they say they have but it has not come off. So I filed a dispute with XXXX and they notified me today that the dispute is complete and the information was not removed. I have proof that I paid this.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

My wife and I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX, and paid a security deposit of {$1000.00}, as well as other deposits and fees. The managing company switched three times in 3 years, and when we moved out in XX/XX/XXXX, we were sent a bill totalling {$1000.00}, due to them not having our security deposit on file. The day after sending the bill via certified mail, I received a call from NCC Business services to collect said bill, which was movefd to collections in less than 24 hours. I have been actively trying to discharge the collections for 3 years with no luck.
Consumer complaint received 2020-04-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

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 : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-04-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Onity Group Inc. (IL)

Ocwen / PHH Mortgage Co.. See attached complaint, facts common to all counts of the breach of contract. I entered into a contract with Ocwen Mortgage of which later acquired PHH. ( Loan No. XXXX ). After the transfer to PHH, new ( Loan No. XXXX ). 
1. On XX/XX/XXXX, XXXX ( XXXX ) entered into a Trial Period payment of {$1000.00}. After six months into the trial period, Ocwen stopped taking the payments under the agreement, claiming an error made. XXXX repeated requested documents many times to show the errors, Ocwen did not respond at all. 
2. On XX/XX/XXXX, Ocwen sent a new Trial Period Modification for {$1300.00}. XXXX refused to except it because of their claim of error. From that point until now, Ocwen, now PHH have refused to issue a modification without giving a reason, more than 25 times.
Consumer complaint received 2020-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX  Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance 08 XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XXXX XXXX, XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XXXX, XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/2024 Dear Consumer Financial Protection Bureau, As per my rights under the Fair Debt Collection Practices Act ( FDCPA ) if a debt collector fails to validate a debt all collection efforts must cease and the continuation of reporting that debt is a direct violation of FDCPA. JEFFERSON CAPITAL failed to validate a debt on behalf of XXXX XXXX  I have sent out several letters to all parties involved regarding this information including XXXX XXXX and XXXX requesting that they correct this inaccurate information on my credit file and both credit agencies responded that account was verified. Now I would like to file my CFPB complaint formally.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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 accounts 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 accounts XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-10-19
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. (NC)

I am a victim of identity theft, My information has been exposed in a data breech. Under FCRA 605B and 609E I am requesting this information to be permanently removed within 4 business days of receipt of this. I opt out of any company policies as this is to be handled directly under the FCRA LAW. 
XXXX ( {$630.00} ) # XXXX, XXXX XXXX ( {$840.00} ) # XXXX, XXXX ( {$3600.00} ) # XXXX, XXXX  ( {$0.00} ) # XXXX, XXXX XXXX XXXX ( {$230.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

I originally went to my XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX. Florida on XX/XX/2021 to complete a wire to XXXX XXXX in XXXX. I was advised the wire will be available in two business days. I was asked to provide additional documentation on about the first of XX/XX/2021, which I did. I was later on told by a compliance rep in my Ctedit Union the following day that recipient bank XXXX in XXXX has the funds. It ended up not being true. Bank of New York apparently was a corresponding bank that sent the funds {$20000.00} to XXXX XXXX XXXX XXXX  and the funds were not delivered and kept by one of the banks, apparently XXXX XXXX XXXX XXXX  for no reason. I asked for the wire to be reversed because it was not delivered as I expected. My money is still being held for no reason. I received a communication from XXXX that it will take 10 to 12 business days. The issue is, why should any institution sit on my money, for no reason? Is it a fraudulent strategy to make money off the funds? This money is from my Home Equity Line of Credit and each day they held it cost me interest close to 3 percent. I paid for a wire transfer service. The service was not rendered within the promised time frame. My money is still being held for no reason. I need my money back with all the interest as soon as possible. No need for this stress. You bank can not collect on service they did not render.
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I got Bitcoin as a birthday gift back in highschool, and hadn't touched the account since. All of a sudden I decided to get into crypto, but they said my account was locked due to fraud reasons, so I sent my license and bank statement to prove my identity, and then they said they couldnt help me or give my funds back. They refuse to re enable my account. Coinbase is just horrible.
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter to TRANSUNION dated XX/XX/2020 by certified mail. TRANSUNION received my letter XX/XX/2020. My letter was in reference to unauthorized credit inquiries on my credit report that I do not recognize. They did not have authorization to run my credit and I did not apply for credit with these companies. I took the time to contact each company listed on my credit report and none of them could give me information on where the inquiry came from nor did they have any of my information on file. They insisted they could not do anything as far as my credit report and I would have to dispute it with TRANSUNION. 

As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IN)

On Thursday, XX/XX/2020 I attempted to make a money deposit to the website XXXX. I was notified with a message that states, " PNC has made a change that prevents you from being able to link your accounts. '' I would like access to move money from my own bank account to said website.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently checked my credit report and noticed some inaccuracies on my credit profile. These inaccuracies have prevented me from getting approved for an apartment and now i am XXXX  and desperately need a place to stay. I am going thru an ongoing divorce and have lost everything.