davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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: EQUIFAX, INC. (NC)

Notice to trustees This account is held in a pure irrevocable XXXX trust under XXXX XXXXXXXX and the exclusive rules of equity. 

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of ( a ) Accuracy and fairness of credit reporting You purpose ( b ) Reasonable procedures You must give me equitable relief Identified by the ACCOUNT NUMBER the res and the beneficiary and the settlor were to be declared PRINCIPAL and the purpose was to settle any and all claims for and against the beneficiary then to have the trustees to return the res to the beneficiary.

claiming the ACCOUNT and all accounts and cases associated as trust res to settle any and all claims against beneficiary to have trustees return res to beneficiary the state of intent is the same as the purpose to settle all claims. 

I hereby claim all right title and interest of the below described property and I am without notice of any other bonified would be otherwise bonified purchase for value or adverse claimant either by nature nor characteristic or legal or equitable rights of same and I believe that no such adverse claim exist. 

I accept as grantee and return delivery same subject matter on special deposit as grantor settlor with intent and purpose to settle and close release collateral in all encumbrances for the benefit of Grantor/Settlor/Beneficiary
Consumer complaint received 2024-05-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (NY)

As the issue was resolved through Equifax investigation, it did take a year of writing, phone calls and diligent follow up with Equifax. 

The agency, XXXX XXXX and XXXX of XXXX Md, according to the online profile, is an agency whose customers are rental agencies. Soon after my court date, I would say within weeks they reported to Equifax an amount greater than XXXX dollars due without proper paperwork to support their claim and Equifax then published that information. 

From the rental office to the executive office of XXXX XXXX, I spoke to and was given an assurance that was an error, and their files do not have me owing them any monies. Yet the collection notice remained and has had an adverse effect upon me establishing credit, and credit checks. 

It took another six months for XXXX to send their supportive documentation, a handwritten summary of the walk through done by their property manager after my departure. No court stipulations, nothing. 

I've asked Equifax for a summary of their investigation cc below : XX/XX/XXXX Re : confirmation # XXXX I received the results of the above investigation and its results that the information was deleted from my file. 

I am requesting from Equifax a description of the procedure used to determine the accuracy and completeness of the information provided by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and subsequently was placed as a collection notice on my credit report starting XX/XX/XXXX. 

Thank You XXXX XXXX  : Consumer Financial Protection Bureau
Consumer complaint received 2024-05-03
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. (MO)

I hope this letter finds you well. I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit file. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. 

This persistent issue has caused significant stress and hardship. It is crucial that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. The following items should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (AZ)

Account info Account name PROFESSIONAL CREDIT SERV Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$64.00} Highest balance - Terms XXXX Months I do not know this account and requested the original contracts between myself and the company showing I am liable for the debt on this account and have not received the requested information. I demand this account be removed immediately and permanently from my credit report.
Consumer complaint received 2024-05-03
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I received an Amex Gift Card purchased in store. After activating this card and confirming that I have full balance ( minus three temp authorizations for transactions on XXXX which were all denied ). I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is repeatedly declined. I then tried again over the course of several days and other amounts less than the full face value. 

Many people have reported having this problem in the past 2 years.
Consumer complaint received 2024-05-02
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. (MA)

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX Account # XXXX. 

XXXX XXXXXXXX XXXX XXXX  Account # XXXX. 

XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

the U.S.C 1681 604 a section 2 : it also states a Comsumer reporting agent can not found a account without my written instructions.

15 U.S.C 1681 section 2 : it also states a Comsumer reporting agency can not furnish a account without my written instructions.

15 U.S.C.1681section state no consumer reporting agency may make any of the following item of information any other advice item of information, any other advance item of information, other records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed my first complaint to XXXX XXXX Department on XX/XX/XXXX ( complaint number # XXXX ) listing all inaccurate personal information, inaccurate account information. ( an inaccurate credit report was sent to me still displaying the wrong information/ inaccurate account information, also some information that I never gave my permission to be given out to other entities. 
I filed my second complaint on XX/XX/XXXXXXXX  ( sent registered mail ( omb # XXXX ) listing all inaccurate personal information, inaccurate account information. I never received any resolutions in response to my complaints. ( My current credit report currently is being published with inaccurate personal as well as multiply inaccurate account information.
Consumer complaint received 2024-07-22
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. (NM)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

XXXX XXXX my serve american express debit card was stollen from me and my tax refund that was depsited on to this debit card was spent down to XXXX XXXX cents.i have reached out to to serve and filed a dispute claim with this company XXXX times they have denied me all XXXX times after i repeatedly sent multiply documents showing proof i did not authorize this thief to spend my hard working money i earned for working the full year.They denied me XXXX times stating that i did not have enough details to get me refund sent back to me. so i reached out to the XXXX district to assist me in filing a fraud suit against the person who stole my card. Now the perpetrator has been caught and the thief has been summoned to appear to court on XX/XX/year> XXXX for arraignment. My case number is XXXX Prosecutor XXXX XXXX XXXX XXXXThe amount that was stollen from me was XXXX spent off my card i would like all my money returned back to me.I have been notified of my fraud case against this person by XXXX XXXX XXXX XXXX XXXX XXXX who is assisting me with my case.I have new documents supporting my case against this thief that is being prosecuted and im seeking justice from me. being a victim of a felony crime Please me get money back to as im seeking justice against this thief. Thank you!
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (IL)

I will keep on REWRITING to complaint to LOANCARE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-05-02
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: EQUIFAX, INC. (NH)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (NJ)

XXXX XXXX I requested the proof of debt from XXXX XXXX and stated that I wanted to dispute the amount from the original debt owner as it was incorrect. They did not provide the information. The last phone call I received from them they stated they were going to sue me and I was going to jail. I also received multiple calls a day approx XXXX. XXXX XXXX shared my social security number and birthrate with various companies in XXXX. A civil action was filed and they never sent me the information or made an attempt to resolve the account.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MI)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OK)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (SC)

Hi, I have NOT authorized no inquiries from these following Companies : Nobody should be tampering with my information! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like these inquiries removed from my report immediately it is hurting my score. Please assist me in doing so. 

Thank you
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the incorrect reporting of addresses associated with my credit profile by all three major credit bureaus : Equifax, XXXX, and XXXX. Despite repeated attempts to rectify this issue directly with the credit bureaus, the incorrect addresses persist on my credit reports. 

The addresses in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX I would like to emphasize that I have no affiliation with any of these addresses, and their inclusion on my credit reports is inaccurate and misleading. This misinformation has the potential to negatively impact my creditworthiness and financial standing. 

I kindly request that the Consumer Financial Protection Bureau intervenes in this matter and ensures that the credit bureaus promptly correct and update my address information to reflect my true residential address : XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX I urge for swift action to rectify this issue, as it is imperative for the accuracy and integrity of my credit reports. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

For the charged off XXXX XXXX account ( ending in XXXX ) I requested the 1099C form to validate the debt was canceled. Upon receiving the 1099C form I noticed that the account number reflecting on the form ends in XXXX my XXXX XXXX account ends in XXXX, how can this account be verified if they are ending in different account numbers? Either XXXX XXXX made the error and did not send the correct form for the proper account or they do not have one which would make the reporting of this charged off account fraudelent. I have previously disputed this account with XXXX and they verified that the investigation could not be completed due to the form having the wrong account number listed. They stated that the XXXX XXXX account number and the account number written on the 1099C form are different. So with that being said either XXXX XXXX did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. Because the account numbers are both different by XXXX and Equifax and XXXX XXXX this means the account has not been properly verified. This account is being reported in error and must be removed from my consumer report immediately. 



XXXX XXXX - XXXX 1099C form - XXXX
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (CA)

Im resubmitting 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 any item 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.