davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (WA)

I recently reviewed my credit profile and noticed inaccuracies and false accusations.

It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction.

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX XXXX XXXX XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX Account Number : XXXX As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.I request verifiable physical evidence to prove the existence and permissible usage of the account. If this evidence is not provided, I expect the account to be removed from the report. You have my authorization to send me physical documentation of your actions and an updated credit report.
Consumer complaint received 2024-05-15
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account number 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

In the summer of XXXX, Equifax reported me as XXXX  to the other credit bureaus. I had to send in paperwork XXXX times via the post office, fax, and their digital filing system to get this reversed. A customer service agent told me not to worry and that this would not happen again. Equifax would not provide me with proof of who or why I was being reported as XXXX. In XXXX XXXX XXXX XXXX issued me a credit card through their website ; this alone shows I was alive in XX/XX/XXXX. In XX/XX/XXXX, Equifax reported me XXXX  to the other credit bureaus again and stands firmly that I XXXX  on XX/XX/XXXX. I am not XXXX. I have a letter from the Social Security Administration that states that there are no XXXX  certificates in my name or in my file. California issued me a renewed driver 's license in XXXX XXXX XXXX, and I have a current passport that was renewed in XXXX. In XX/XX/XXXX, I called all three credit bureaus several times to complain and ask for a remedy. On XX/XX/XXXX, I sent in paperwork to Equifax, XXXX, and XXXX ( in duplicates to ensure they get the message ) to prove I am not XXXX  : a copy of my California Driver 's License, USA passport, a letter from the Social Security office stating no XXXX  certificates on me, printouts of my credit report highlighting where it states I am XXXX  and a letter highlighting these points requesting this issue be permanently remedied. Equifax refuses to give me proof of who or what is reporting me to them as XXXX.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made timely payments on this account, never letting them become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2024-05-15
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. (VA)

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You Violated the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2023-09-20
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. (MI)

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX  XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/1976 Dear Experian, I am writing to you regarding the inaccurate, unverifiable, and invalidated information that remains on my credit report. I demand that you delete these items immediately, as they are in violation of the Fair Credit Reporting Act ( FCRA ). 

I am aware that you are required to keep a copy of the original creditor 's documentation on file to verify that the information being reported is correct and belongs to me. However, you have failed to provide me with a copy of any original documentation, including a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ).

Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Therefore, I demand that you delete the following items from my credit report immediately : XXXX - Account Number : XXXX - Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

XXXX - Account Number : XXXX - Please remove the account involved in litigation, an incorrect high balance, an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge off listed as open, and a collection account with a limit. Your improper practices have caused distress and I am demanding immediate correction of this inaccurate information on my credit report. 

XXXX XXXX XXXX - Account Number : XXXX - Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

XXXX  - Account Number : XXXX- Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

XXXX XXXX - Account Number : XXXX - Please remove the late payment as I have no late payments made on this account. The account is paid as agreed. 

Failure to comply with my request will result in legal action under the FCRA. I am fully aware of my rights under the FCRA, including civil liability for willful noncompliance and negligent noncompliance, and I intend to pursue litigation to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617. 

I hope to resolve this issue amicably before litigation becomes necessary. Therefore, I offer this as a final written offer of settlement before litigation. Please acknowledge receipt of this letter and confirm your compliance with my request. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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. (FL)

I am writing to formally request the cessation of reporting my credit information in accordance with my right to opt out under 15 U.S.C. 1681 and 15 U.S.C. 6802. Additionally, I request the removal of any past, present, and future credit information related to my accounts from all credit reporting agencies. Below are the details of the accounts I hold with your company and the credit reporting agencies they are associated with : Account Details : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Equifax ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX In addition to ceasing the reporting of my credit information, I request the removal of any past and present information related to these accounts from all credit reporting agencies. Furthermore, please ensure that no future information about these accounts is reported. 

I also request the removal of any address from my credit reports that does not match my current address : XXXX XXXX XXXX XXXX XXXX  Please confirm in writing that you have received this request and that all relevant information will be removed and no longer reported. Additionally, please notify the relevant credit reporting agencies to remove my information from their databases and to update my address information accordingly. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (CA)

See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time. HOW COME THEY ARE REPORTING ME LATE WHEN I WORKED HARD TO PAY THIS OFF ACCOUNTS MONTHLY? THAT IS INEVITABLE!
Consumer complaint received 2024-05-15
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. (GA)

Some tried to open a credit card account in my name with XXXX back on XXXX 2023. I don't recognize this. I didn't authorize it either. 
XXXX Hard inquiry ( XX/XX/year> )
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not recognize this account. Never had an account with this lender and I have never done any business with this collection agency that is trying to collect a debt I do not owe. Attached is my FTC report and letter. 

XXXX XXXX Account Number : XXXX Amount of alleged debt {$1000.00}.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

I opened an account XX/XX/year>. I tried to send {$35000.00} each on XX/XX/XXXX and XXXX 2024. I was told there is a hold of XXXX months before transfers are allowed. 

I requested closure.. was told a check would be mailed. 

XX/XX/year>, my closure is being denied cause my phone number can not be called to verify me. 

I want my money out of Marcus Bank.
Consumer complaint received 2024-05-15
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. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-15
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Hi, I transferred {$83000.00} from my XXXX XXXX account to my Marcus by Goldman Sachs online savings account, and the funds were successfully credited on XX/XX/year>. On the same day, I initiated an ACH transfer for the same amount from Marcus to my XXXX account and received two phone calls from Marcus to validate and authorize the transaction. 

However, on XX/XX/XXXX, I discovered that the ACH transaction had been reversed. When I inquired with Marcus, they informed me that they had placed a hold on the account. 

On XX/XX/XXXX, when I called Marcus customer service to lift the hold, they refused to assist and instructed me to wait for 37 days. Additionally, they are unable to send an OTP to my registered phone number. I am now unable to access my own funds. 

Marcus Account # : XXXX Routing # : XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( XXXX ).
Consumer complaint received 2024-07-31
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. (TX)

n 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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX IN : Account Number : XXXX 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 2024-05-15
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/ I sent a Zelle transfer to my son from my XXXX account to his XXXX account for {$3500.00}. 
He never received it and Zelle said the transaction failed. 
XXXX has said they did nothing wrong, that the transaction went thru -which it didnt because Zelle even said it didnt.

I cant call Zelle direct because I use my XXXX account : they wont even talk to me on the phone. 
Help I want my money back!!!
Consumer complaint received 2024-05-15
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.