davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

On XX/XX/XXXX I met and consulted with XXXX XXXX XXXX on getting extra small XXXXXXXX XXXX, I decided to move forward with XXXX and I put down a {$100.00} deposit. On XX/XX/2022, XXXX XXXX XXXX installed XXXX extensions and placed the hair in two strand twist, on Sunday, XX/XX/XXXX I took down the two-strand twist, and to my surprise, there were several major issues. 

# 1 These weren't the XXXX  that she had shown me prior to installation. # 2. The XXXX  sizes ranged from large and med # 3. The colors were off. # 4. Some of the XXXX  weren't locked. # 5. The hair that was used is not 100 % human hair. I sent her several messages and texts on Sunday up until Tuesday and XXXX blocked me, so I went to the shop and spoke to the manager and he was able to contact her. She then decided to answer my messages only after the manager made her contact me. Her solution was to redo my hair after I purchased more hair, but at this point with her defrauding me, I was not interested in her doing anything else. I told her I would return the hair, but I was asking for a full refund and she declined. 

She's insisting that this hair is human, but two SMEs have analyzed this hair and both agreed that it is not human hair. I have also tested both the front and back and have also concluded that this hair is not human. I paid a total of {$950.00} and I would like a full refund. This business stated on their site that they were committed to providing Human XXXX extension and installation. and she fell short.On Wednesday, XX/XX/2022 I contacted XXXX back to let them know that I had been defrauded and scammed by XXXX XXXX of XXXX XXXX. 

I paid for human XXXX  extensions and install them only to find out they were not human hair XXXX  extensions in addition to other concerns.XXXX  said that there was nothing they could do and since this was paid via a third-party platform Zelle, XXXX recommended I contact Zelle to see if I could get my money back from them. I contacted Zelle and was told that there was nothing they could do. 

Before paying her via Zelle, I tried to pay this vendor via the XXXX XXXX, but it was declined several times, I reached back out to the merchant and she told me that the only other method of payment was via Zelle using her father 's account XXXX XXXX. I thought it was weird but wanted to get her paid. I transferred {$850.00} to his account with a {$100.00} deposit. A total of {$950.00}.
Consumer complaint received 2024-02-16
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. (AZ)

Hello, Im concerned Ive been receiving debt messages I do not recognize. Upon checking my personal information. I notice a company I do not recognize. XXXX XXXXXXXX XXXX  ( XX/XX/year> ) In addition debt messages have been received associated to XXXX. Please remove from my personal information as spouse as I have not provided any information or have consigned anything with this name ( XXXX ) remove from my personal information. 
XXXX XXXX from XXXX. This account has been deleted more than 2 times and it keeps appearing. Please remove fraudulent account.
Consumer complaint received 2024-02-16
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. (GA)

XXXX, Experian, and XXXX are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to XXXX or XXXX and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2022-05-16
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. (OK)

I have tried SEVEARL times getting this FTC report to Transunion, XXXX and XXXX. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them ASAP.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been sending written letters since XX/XX/XXXX with regards to my request of removing the inquiries in question and my last request was sent XXXX XXXX.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by XXXX XXXX, Experian, and XXXX as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All nine hard credit reporting by the three bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX  XXXX XXXX, XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law.

4. XXXX  credit balance paid in full with no balance.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (MI)

Date : XXXX To : Equifax Information Service LLC XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities Verify my identity and Current Address As of XX/XX/XXXX, I see online my credit file My current address is still incorrect on www.MyEquifax.com CORRECTION : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, MI XXXX - XXXX I was currently rejected credit by a creditor and was told my information I provided did not passed the identity verification per Equifax and it did not pass the current address. Under the Equal Credit Opportunity Act ( ECOA ), I have a Legal right to know why I was rejected credit. 
( 1 ) Tell me ( the consumer ), why I can not currently get a credit card at a bank, any more. 
My last Charge Card was XX/XX/XXXX XXXX XXXX/XXXX  Balance {$76.00} as of XX/XX/XXXX ( 2 ) why, Equifaxs system keeps reading no current address. 

As of XXXX, my issue is, why Equifax is unable to locate a credit file in their database with my identification information I provided. I am currently electronically paying all the creditors list on the Equifax credit file that was sent to me XX/XX/XXXX. I am on a fixed income and I have spent approx. {$20.00} +/- via mailing & certified letters mailing my card + Current Light Bill to Equifax. All copies are originally from the sender and the copies are clear copies by each entity. After talking to an Equifax representative on XXXX, she looked up the copies I sent to Equifax in XX/XX/XXXX and XX/XX/XXXX and she said both my Social Security card and utility bill were received and are clear. If I was unable to verify my identity and current address, why did Equifax send me a credit file dated XX/XX/XXXX _ AFTER I called Equifax on XXXX and passed the phone identity verification and current address. 
Filename : Letter XXXX Box Equifax SEE ATTACHED DOCUMENTS : 1. Credit File : XX/XX/XXXX - Confirmation # XXXX : Already sent 2. SSN Card Already Sent 3. CURRENT : Light Bill 4. XXXX XXXX XXXX Phone log XXXX 5.  Equifax letter dated XX/XX/XXXX XXXX XXXX XXXX + XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (NC)

I have a few fraudlent hard inquiries on my XXXX and Equifax report. 

I've contacted all of the financial institutions and asked for removal of those inquiries and they said they don't have tools to do that. 

Institutions I've contacted regarding inquiries : XXXX XXXX  XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XXXX XXXX  XXXX hard inquiries XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XXXX  hang up on me multiple times when I've tried to resolve the issue XXXX said they will submit a dispute but member responded back to me
Consumer complaint received 2022-05-16
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. (NY)

1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by XXXX XXXX, XXXX, and Equifax as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All nine hard credit reporting by the three bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX  XXXX XXXX, XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law.

4. XXXX  credit balance paid in full with no balance.
Consumer complaint received 2022-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a few fraudlent hard inquiries on my XXXX and XXXX report. 

I've contacted all of the financial institutions and asked for removal of those inquiries and they said they don't have tools to do that. 

Institutions I've contacted regarding inquiries : XXXX Bank of America XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XXXX XXXX  XXXX hard inquiries XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XXXX  hang up on me multiple times when I've tried to resolve the issue XXXX said they will submit a dispute but member responded back to me
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (MD)

I provided documentation and a request to the credit bureaus via USPS Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, to remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

This is my third attempt to have them remove the inaccurate information listed with the credit bureaus. I am still disputing this based on the law they used a stall tactic the first time and failed to meet the 30 day requirement to send me physical verification. A violation. That was grounds for them to remove info. I asked for info on how/why they are charging 12 % and reminded them they didn't send verification the first time. They answered again. The contract they sent showed clearly that 10 % is the correct amount. They have failed to follow the law. They failed the original request to validate within 30 days, They have the wrong amount showing, which is a violation and grounds to remove it. How is this possible under FDCPA. 

The FCRA requires you to verify the validity within 30 days. You didn't you are obligated by law to remove your inaccurate derogotory information. You also stated you are charging me 12 % wrong interest rate another reason you are obligated to remove it. You leave me no choice but to sue you for actual damages and declaratory relief under the FCRA. This regulation states I may sue you in a qualified state or federal court including small claims court in my area. I look for a swift and amicable resolution. 

They are falsely stating they are following the law.
Consumer complaint received 2022-05-18
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. (CA)

on XXXX I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. XXXX, Equifax, and XXXX are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly.

I will file for litigation due to the stress that I am going through to get these items deleted from my report.

The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported.

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for Equifax XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
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. (NY)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I raised disputes for this inaccuracy more than XXXX days ago, and there has been a failure on your part to notate them as disputed. The absence of notations is unacceptable. According to 15 USC 1681s-2 ( 3 ), this items must be promptly removed from my credit report.
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The fact that I have been dealing with since XXXX for 2021 without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. 

According to the last complaint Transunion requested a additional 60 days to review the dispute. They have yet to respond. It is past the 60 day mark. At this time I request removal of account # XXXX Attached are documents to support my claim.