davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-10-02
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. (CA)

I checked and reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Consumer complaint received 2023-10-02
Product: Credit reporting 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-02
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. (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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX ; XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
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. (FL)

I submitted a letter to the Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$350.00}
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (SD)

OnXX/XX/XXXX I filed a complaint with CFPB against Continental Finance Company XXXX. The complaint was regarding information on my credit report and not receiving any billing statements. A representative from the company called and we worked out an agreement where they will purchase back the account from the debt collection agency, reopen the account, credit past fees and correct any negative credit reporting information. I also have a letter dated XXXX stating the above information. The company did eliminate the negative reporting however the balance information was incorrect. I decided to wait until the next update hoping the information would correct itself. Unfortunately the next updated was dramatically negative. On XX/XX/XXXX the company once again reported on my XXXX  and XXXX  report, the account as charged off and sold to a collection agency for a bad debt. The collection agency ( which the debt was bought back from ) is also still reporting this information despite disputing the information. A separate complaint will be filed against the collection agency for violation of the FCRA. On XX/XX/XXXX I called and talked to the same representative and he said he would look into it and get back to me. Unfortunately the representative or anyone from the office has failed to return my calls or email.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA you are expected to delete this inquiries.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
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)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-29
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. (MD)

Theses companies are violating my rights reporting in accurate information on my credit report can you please remove I already contacted the furnisher and requested to remove theses accounts XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 Section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1666B 15 U.S.C 6802B
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 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
Consumer complaint received 2023-10-02
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. (LA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXXXXXX XXXX  XXXX XXXX LA XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$520.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-02
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. (CA)

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I am requesting for these accounts to be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. Account number- XXXX I am requesting for these inquiries be removed from my credit report : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX my bank sent me an email stating that there's been a new inquiry on my credit report -- from Capital One. But I never applied for this card. When I opened my mailbox on XX/XX/XXXX, this card that I did not apply for had arrived. My credit score has been negatively impacted ( i.e., decreased ) because of these events.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (WA)

I opened an account with CashApp. I lost my debit card. Upon receiving the replacement they advised me that my balance can not be transferred and that they were very sorry. They stole my money and its being held in escrow. Furthermore their customer service people cant speak XXXX so how are they able to understand my situation? CashApp are criminals and they stole my hard earned money. I want my money back.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I checked and reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX
Consumer complaint received 2023-10-02
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. (MD)

Upon reviewing my credit report, incorrect information are being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Consumer Right to Privacy and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or correct these items from my credit file. The items are listed in the attached letters for your reference.
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my credit report, incorrect information are being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Consumer Right to Privacy and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or correct these items from my credit file. The items are listed in the attached letters for your reference.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

The debt collector goes by the name Jefferson Capital System. They reported an unpaid Debt on my credit report on XX/XX/2020 for the amount of {$1000.00} claim I ow this amount from the original creditor XXXX XXXX. I have made many attempts to resolve this error. I have reached out to XXXX XXXX who confirmed the debt does not belong to me as my account was paid. I have notified and disputed ownership of this debt with Jefferson Capital System a dozen times since XXXX of XXXX and every time I requested proof of the debt they claim belongs to me which they have never sent and that is because the debt does not belong to me and I have confirmed this with XXXX XXXX XXXX This debt collects Jefferson Capital System has violated my rights on more then 12 occasions I had requested Debt verification from them but the only thing they mail me is an offer for 10 % off the debt and has never once provided me debt verification. The debt belongs to a family member with a similar name and the same address however we have completely different SSN and birthdates. This debt collector has wrongfully accused me of a debt I do not owe and illegally continues to damage my credit report and harassment me with mail threats and discount offers and refuses to send proof or debt ownership.