davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
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: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
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)

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. 

has violated my rights. Or list of inquiries 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
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: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
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. (FL)

The debt/item in question belongs to a family member with the same name and address. I have filed multiple disputes directly with all 3 credit bureaus and Experian refuses to investigate and correct the incorrect information returning with " Completed investigation of FCRA dispute - consumer disagrees ''. Experian and XXXX have already corrected the mistake. The collection agency directly is not responding mailed letters.
Consumer complaint received 2022-12-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (NJ)

Back in 2013 a loan was taken out at Rapid cash in XXXX XXXX, Nv. 2 weeks ago this company electric document processing whose number reached out to me with a case number of XXXX and her name is XXXX XXXX, she advised me to a call XXXX XXXX XXXX XXXX. where a XXXX XXXX answered and transferred me to a XXXX XXXX of the XXXX XXXX XXXX XXXX, he claimed that he was trying to settle for {$500.00} Instead of the {$1000.00}, I advised him does he know what the statue of limitations is for Nevada and he said yes, its only 4 to 6 years, so I said why are you contacting me 10 years later, and he said Ill be served
Consumer complaint received 2023-03-02
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. (NJ)

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. XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX5 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 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

tried to dispute. 
CREDIT Collection on my credit report contacted Transunion with the information they sent me. When I requested them to prove the debt they sent me a letter sting they could not locate my account, but sent me a copy previously of my credit report. 

i wanted them to send e proof of a collection account and all the info as to what name the time period and any information on the debt. 
'See attached how they used a Stall tactic to prevent me from verifying the info
Consumer complaint received 2023-03-04
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. (OH)

The following accounts on my credit report are in violation fair credit reporting act. 
Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (GA)

I am writing to urgently request assistance regarding the deletion of an account from my credit report. The account in question, Transworld Systems - XXXX XXXX XXXX XXXX was settled in full on XX/XX/2024, with the explicit agreement that it would be removed from my credit report.
Consumer complaint received 2024-02-20
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 (AP)

I have XXXX American Express prepaid cards that I have tried to use at approximately XXXX stores over the last week. When I call American Express, I am told that the cards are valid, have a balance, and that the issue is with the stores ; however, after many attempts to use the cards, including at websites listed by AmEx as ones that accept gift cards, I have come to the conclusion that the issue is with the Amex gift cards. It is incredibly frustrating and at this point has remember up many hours of my time.The company called me in the middle of the night and left a message twice saying they needed the card number, but never answered when I called back to give the number.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against Jefferson Capital System To Whom It May Concern, I am writing this complaint to bring to your attention the unlawful practices of Jefferson Capital System, a collection agency that has violated my consumer rights as outlined in the following consumer protection laws : 1. **Failure to Provide Validation Information : ** - Violation : 12 CFR 1006.34 ( b ) ( 5 ) - Description : Jefferson Capital System has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection entry on my consumer report. 

2. **Denial of Opportunity to Dispute Account : ** - Violation : 12 CFR 1006.34 ( c ) ( 4 ) I - Description : I have not been given an opportunity to dispute the account as per 12 CFR 1006.34 ( c ) ( 4 ) I.

3. **False, Misleading, and Deceptive Practices : ** - Violation : [ Specify the relevant consumer protection laws ] - Description : The collection agency has engaged in false, misleading, and deceptive means in their communication and collection efforts. 

4. **Unauthorized Furnishing of Information to Consumer Reporting Agency : ** - Violation : 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) - Description : Jefferson Capital System has furnished information to a consumer reporting agency without providing the required disclosures as mandated by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In light of these violations, I dispute all debts claimed by Jefferson Capital System and hereby revoke any rights they may have to communicate with me. Any further communication from Jefferson Capital System after the filing of this complaint will be considered a violation of 15 USC 1692K FDCPA, and they will be liable for {$1000.00} for each violation.

Furthermore, I am requesting a copy of the purchase agreement between Jefferson Capital System and the original collector.

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and request a thorough investigation into the actions of Jefferson Capital System.

Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (NJ)

Late XXXX XXXX, I became apprised of the fact that an unauthorized inquiry appeared on my credit. I attempted to notify Equifax of this issue and initiated a dispute as per their online portal. They failed to do any semblance of an investigation and came back to me later indicating that this unauthorized inquiry would not be removed. As a result, I was forced to complain to a higher authority and filed FTC report XXXX. I mailed a copy of that report as well as another dispute and demanded removal. Equifax has not removed the inquiry as of this date ( XXXX XXXX XXXX ) and is presently in violation of FDCPA. I am initiating this CFPB complaint as a last ditch effort prior to filing civil litigation as a result of Equifax failing to adhere to the laws and regulations it is required to follow.
Consumer complaint received 2023-03-07
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. (FL)

this is the 2nd attempt I am interested in disputing all incorrect information on my credit report with transunion. alot of data is invalid. this is causing alot of delays to my file please correct an remove all information listed.
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

Someone from XXXX XXXX is illegally reporting a debt owed that I was never contacted about, never had any knowledge of. Wakefield and Associates placed a debt into collections on my account on XX/XX/22. For a total of {$3000.00}. I was only recently made aware of this when I looked my credit score up this month. I have no knowledge of the original creditor company. Looking online says its a known scam company. I never received anything about owing anyone money. Nor have I ever owed/ paid them any money. This debt is not real. Wakefield and Associates is trying to scam money from me with the help from whoever hired them to fake it
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

Hi, I received a notification from XXXX XXXX regarding this collection on my account that dropped my score about XXXX points. My current cell phone provider is with T-Mobile and has been for many years. I was not contacted by Jefferson Capital at all and believe that this has caused me harm financially. The matter has been escalated as well with the credit bureaus and I needed to file this complaint as well
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX. I recently checked XXXX, Transunion and XXXX credit reports and I found out billing errors that clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX - XXXX XXXX XXXX ( Finance ) XX/XX/XXXX - XXXX XXXX XXXX ( Finance ) XX/XX/XXXX - XXXX
Consumer complaint received 2023-03-07
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. (TX)

In accordance with the Fair Credit Reporting act USDOEXXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXX OR CHILD SUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

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
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Western-Shamrock Corporation (TX)

I noticed a collection on my credit report. After researching I determined that this was an account from XXXX that should not be on my credit. There is now an attorneys office that is calling requesting payment and threatening lawsuits. The dates shown on my report are from XXXX and again this account was closed in XXXX. I contacted creditor to ask why I did not receive a XXXX when charge off was done and asked for them to mail me the account information. This was done back in XXXX of XXXX. Then - after 4 months XXXX XXXX and XXXX appeared on my credit report with this account but showing it was opened in XXXX of XXXX. This account can not be shown as a new account per the Fair Credit Reporting Act. Please remove this from my credit immediately.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Momnt Technologies, Inc. (GA)

my social security number [ credit card ] was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX. 

Application ID # XXXX Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 USC 1691c
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

EQUIFAX, XXXX, AND XXXX HAS XXXX XXXX XXXX ON MY ACCOUNT FOR XXXX DOLLARS NOW I CAN'T MOVE I WANT TO SUE ALL OF THEM THEY ALSO HAVE XXXX XXXX REPORTING LATE PAYMENTS WHICH VIOLATES MY CONSUMER RIGHTS. I DEMAND MY CREDIT REPOT BE UPDATED ALL OLD INFO OF NAMES AND ADDRESSES BE TAKEN OFF IMMIEDIATELY. XXXX ALWAYS KEEP OLD INFO ON CREDIT REPORT AND THE DISPUTE PROCESS IS ALWAYS IN FAVOR OF THE COLLECTION.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

My complaint is against XXXX and Equifax. I submitted proof that XXXX Bank and XXXX Bank Cancelled by debt in full so that I no longer owe the banks any money. After submitting a 1099 c form from XXXX and XXXX Bank around XX/XX/2023 and XX/XX/2023 which a 1099 c from which is documentation from those banks that the debt is cancelled and is stated on the forms. XXXX and Equifax ignored this made the decision to not make the proper changes falsely claiming they contacted both institutions and the account information they already had was accurate. That is a lie, I just received the 1099 c forms in the mail in XXXX. They should have updated the balance of XXXX and XXXX to XXXX they still show I currently am in debt with these banks showing a balance instead of updating it. They are not ready or are illiterate or lying. 


XXXX and Equifax is making a claim that they contacted those banks and investigated about the 1099 C form and therefore not updating that it to XXXX balance owed. 

To prove they are lying and they did not consider the 1099 c forms and contact the banks in regard to the forms, you need to look at XXXX who updated my accounts they have with XXXX and XXXX. I gave XXXX the same data, the 1099 c forms from XXXX Bank and XXXX Bank. XXXX said their investigation concluded that I no longer have debts with XXXX Bank and XXXX XXXX and rightfully updated my balance to zero on both accounts with them. Their conclusion is in alliance with the 1099 c forms that their investigation is true and right. XXXX conclusion is the opposite of XXXX and XXXX and matches the documents. 

XXXX and Equifax is being deceitful and is not updating my account according to the 1099 c forms and claiming they contacting XXXX and XXXX. XXXX is the only credit reporting company who really investigated and made the changes on my account.