davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (LA)

I have reached out to ALL XXXX credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc. ()

At this point, it is clear to me that BlockChain ( inc ) US is a total scam.

I had trusted with them all my crypto in ( what they call ) a rewards account. It means you trust your crypto with them and in return get higher interest on it. 

When exchanges behave responsibly, they organize themselves such that they always have enough fractional reserve, so that when people what to leave/ check out, they can give back the crypto they were trusted with, to the people who own it. 

Not the case with BlockChain ( inc ) US. For a half month already, they refuse to give me back my crypto- and refuse as well to tell em why. Obviously this stinks big time and reminds us ( sadly ) about the hybris of banks with devastating societal consequences only a decade ago. This calls for more regulation, ad minimum w.r.t. fractional reserve. 
Meanwhile I consider my crypto stolen by BlockChain ( inc ) US and demand to be compensated for it. Aside the immediate return of my assets.
Consumer complaint received 2022-07-30
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. (GA)

I inform you again that am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-30
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. (GA)

I inform you again that am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-04-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendUp Loans LLC (TX)

I paid my debt back to Lendup this past XX/XX/2020. 
Since my debt is paid off I asked for this company to close or delete my account off my credit reports. They refused to do so because of lawsuit or settlement issues in the state of California and the other states in United States. 

My paid in full loan # XXXX My request for deletion of account # XXXX verification code XXXX. 

I have also submitted a letter to all 3 credit reporting bureaus and this action has not been completed on my credit report.
Consumer complaint received 2021-06-08
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. (AL)

In XXXX I wrote I letter to the credit bureau advising them my credit report shows incorrect information in the form of my name being incorrect, incorrect addresses listed, and inquiries that do not belong to me. 

It has been past the 45 day timeframe and this information has not been removed from my credit report.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (MD)

XXXX Avant LLC was supposed to remove the inquiry dated XX/XX/21 since last year. I have submitted 2 other complaints against this company through CFPB and was told twice they will update their systems and remove it. As of today it is STILL on my XXXX credit report.
Consumer complaint received 2022-04-15
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 check my credit report and seen inaccurate information on it I've called and mailed letters and nothing has been done to remove the inaccurate account I spoke with an agent who stated that Equifax does not investigated account they just mark them as accurate Equifax shows Multiple Accounts that is not accurate and Multiple Hard Inquiries and personal information is not accurate as well they have not responded to any letters and it been three months
Consumer complaint received 2022-04-15
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. (KY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-04-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-07-30
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. (TX)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry Date XXXX
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech Financial LLC, is playing some kind of game to put me into default on my mortgage. They stopped sending me monthly billing statements back in XXXX ( see last statement, attached ) and although my name is the primary name on the mortgage, and I have written all the payment checks, they sent their default letter addressed to my wife back in XXXX. I paid the balance due plus the next months payment and included a copy of their default letter, noting on it that they were not sending billing statements ( see attachment ). I still, as of today 's date ( XXXX/XXXX/16 ), have not received a new statement from Ditech.
Consumer complaint received 2022-04-15
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-15
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. (FL)

In accordance with the fair credit reporting act... 
The following Accounts .... 

Time payment XXXX XXXX XXXX XXXX services XXXX XXXX credit card XXXX XXXX card services XXXX XXXX Have all 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 consumer reporting agency can't furnish information on an account without my written instruction.
Consumer complaint received 2020-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NJ)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2022-08-23
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-15
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2020-04-02
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. (CO)

Equifax XXXX XXXX and XXXX  are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AL)

This company is reporting a collections account on my credit report to the credit bureaus. I have not received any written notification from this company to allow me the time to verify the accuracy of this debt and therefore they have violated my right to a 30 day timeframe to dispute. 

I sent a request to the credit bureaus stating this and this company responded to the credit bureau that the debt was valid. 

They are not willing to cooperate and follow due process therefore causing me much stress and harm to my otherwise clean credit report.
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (SC)

I have multiple listings of a debts from IC Systems collecting for XXXX pet insurance. I was never notified of the accounts, and they appear on my credit report with no notice causing great harm to my credit report. One is even a duplicate! Moreover, I do not use XXXX. These items should be removed immediately! The amounts are : {$180.00}, {$180.00}, and {$520.00}.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on XXXX and equifax. The third, XXXX XXXX They bought a debt from XXXX XXXX which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX  Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.
Consumer complaint received 2022-07-30
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. (TX)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX of Inquiry : XXXX XXXX Inquiry Date XXXX
Consumer complaint received 2022-07-30
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. (TX)

When I looked for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was gathered by an aggregation website, which encouraged me to examine the website 's FAQ section before contacting around nine separate websites. I was ashamed by the fact that I had to request that my items be taken, as I respect my privacy. I discovered unauthorized fraudulent accounts on my credit record ; I would like these accounts to be erased and rectified. Remove any fraudulent and bad accounts from my credit report. This has impeded my capacity to obtain financing. I am making every effort to regain control of my life. Please help me eliminate any bogus accounts. Please inform me of any other steps that can be taken to remove these accounts from my report.