davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (VA)

This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. Equality is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (LA)

Due to being in the middlr of a mortgage loan and closing in 4 days. I reached out to ally to make an extension for XXXX and XXXX. They agreed with payment of XXXX before XX/XX/XXXX. This morning my credit recieved a negative mark dropping it XXXX points and disqualifying me for the loan. I spoke with a customer care rep who documented the conversation and confirmed the agreement MOVES the due date to the back the loan and once the XXXX is paid the account is current but will not reflect on my credit report.. this is unacceptable! If an agreement is made and it is to not harm my credit and does with the additon of the XXXX paid bf the XXXX the account will be current but it will reflect on my report??????
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022 and XX/XX/2022 XXXX credit application inquiry. 
XX/XX/2022 Called Transunion and no help to remove unauthorized inquires
Consumer complaint received 2022-07-25
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. (CA)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2018-10-23
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. (PA)

Dear Sir/Madam i had contacted EQUIFAX Credit Agency many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by XXXX i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago with no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 Note : what is the Equifax Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask Equifax Should care little more about consumer establish credit life in US and remove this two hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 XX/XX/2018
Consumer complaint received 2022-04-25
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. (IL)

By the fair credit reporting act, The list of accounts below has violated my federally protected consumers ' rights to my privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX 15 USC 1681 section 602A. States I have the right to privacy 15 USC 1681 Section 604A. States a consumer reporting system or agency can not report any accounts without my written instructions. 

15 USC 1681c a 5 Section states NO consumers reporting agency may NOT make any consumers reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 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. REMOVE/DELETE off my accounts
Consumer complaint received 2022-07-25
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2022-07-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has clearly violated my rights! 
15 USC 1692b Acquisition of location. 
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692c ( a ) Communication in connection with debt collection Without prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt- 15 USC 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( causing XXXX XXXX with the constant call and threats of litigation ) 15 USC 1681 Section 604a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX, EQUIFAX, and XXXX was not given instructions from me, the consumer, to furnish my account ) 15 USC 1681 section 604 a. States i have the right to privacy. ( Something that has clearly been violated ) Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?
Consumer complaint received 2022-07-25
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. (FL)

My laptop was stolen with all my info. And i just got my credit report and see my credit had hard inquires on my report. Which is stopping me from moving forward in life
Consumer complaint received 2022-07-25
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. (CA)

I have been disputing the account XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a Balance of {$2100.00} and Date Opened on XX/XX/2018 by sending written letters to the Credit Bureaus XXXX But despite all my efforts to have this account corrected, the Credit Bureaus have been ignoring my requests. The information this account reports is outdated and inaccurate! The Credit Bureaus are required to correct the reporting of this account under the FCRA section 609 and section 611 inorder to report accurate information only on a consumer 's Credit report. I am submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA regulation and correct my Credit Report.
Consumer complaint received 2022-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Fairway Capital Recovery, LLC (FL)

As of XX/XX/2022, I have received 5 phone calls from Fairway Capital Recovery within the last 4 months alone. During the first 2 phone calls, I attempted to make due and pay any debt that MAY have existed by asking them to mail me a bill from the original business that I supposedly owe money to. They said they would, but I never received anything. The next 3 calls this year I told them to either mail me the bill or to stop contacting me because this is harassment at this point. I should not have any outstanding debt anywhere.
Consumer complaint received 2018-10-22
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. (CA)

I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-04-25
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

XXXX   XXXX ,  2017 , I mailed the Annual Credit Report Request Form  to Annual Credit Report Request Service i n  XXXX , Georgia.   I have received my credit report from  XXXX  and  XXXX . I have not received my Annual Credit report from Equifax.   Today is  XXXX   XXXX ,  2017 . I pulled up EQUIFAX website and chatted with someone. They gave me  XXXX . It asked to press  1  if I wanted to complete a survey after the call. I pre ssed 1 and  then "  XXXX  '' answered the phone. He asked questions to confirm my identity. He was very rude and kept interrupting. I would ask him a questions and he would not answer them and simply reply that I would be sent a copy of the report in the next 15 days.    XXXX  also stated he did not have it in his system that a report has been requested. He gave me confirmation #  XXXX  said it is in the way and hung up.   The system did not allow me to complete the survey.     Does it take 30 days to get my report? I tried to do it online, however, it said I did n't answer a question correctly and stated I had to request it in writing.
Consumer complaint received 2022-04-25
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)

There is an internal block on my credit file. I have called every week to resolve this issue for 2 years. They are not trying to solve this problem. I have sent certified documents of identification to this company. They were signed for by the company on XX/XX/2022. The agent said that they have 5 days process from the back office. Its been 20 days and the agent today ( XX/XX/2022 ), says that there is documents updated to my file. Supervisor XXXX said there was an internal block on XX/XX/2022. The agent today XX/XX/2022 says there is no block. Agent stated that lenders or anyone trying to access my file has to use the number XXXX for the suffix in my name. We have tried this and it does not work. Please help me fix this issue.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (IA)

I had a XXXX XXXX XXXX XXXX I had a balance on it and did a balance transfer to My Discover Card Credit Card , Discover sent an electronic payment to XXXX XXXX XXXX XX/XX/2022 for {$1900.00}, XXXX XXXX said they cant find it, i called them and was told i could not go a balance transfer and would send the money back to Discover, they did not, i assumed it had been sent back to discover, So XXXX did another balance transfer and sent me {$2000.00} to pay off XXXX XXXX XXXX, by the time i did this amount had gone up. So i received the money from discover and paid off XXXX XXXX XXXX, paid a small amount more and paid off XXXX, Discover is now charging me for both balance transfers, one for {$1900.00} and one for {$2000.00}, the later one of {$2000.00} is correct, the {$1900.00} Discover sent is still unaccounted for, Discover said they electronically sent it and have confirmation and XXXX says they cant find it, I have reached out to both companies and Discover said XXXX refuses to talk yo them because they are a third party, Discover says i owe it and my responsibility to get the money back from XXXX, I would think Discover would have a legal department that could make XXXX give the {$19000.00} back to them, and XXXX told me they cant find it, so please mediate between these two companies, i am currently paying the {$1900.00} to Discover, this is not fair to me, and both companies will not get together and works this out. Thanks XXXX XXXX
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

( Before reading all of this, I will specify that we used Zelle for the money transfer. ) On XX/XX/XXXX, XX/XX/22, me and my family were looking for puppies to adopt. We posted a post on XXXX online, and someone commented under our post and said theyll sell the puppy for {$900.00}. We thought that was pretty cheap and a pretty good deal, but it was way too good to be true. The scammer also messaged us about the puppy and said its for {$900.00} because shes about to travel to XXXX and shes leaving in about a week. Which seemed reasonable and explains why she would want to get rid of the family. At first she was saying that she wanted to rehome the puppy and shed want the family or the person thats going to take care of it will be in good hands. She also put a fake address after she said that, so we thought she was legit and honest. We also called on messenger and we were negotiating the price, we were saying about {$500.00} or {$600.00} would be a better price for that money, since it was for my daughters birthday. And I also said that Ill pay half right now and Ill send the rest later. The scammer agreed to it and I did as well. I also asked the scammer for more pictures and videos of the dog and she sent me nothing and her excuse was My camera is broken, which seemed reasonable at first. And we also asked for a XXXX and she said Im at work but my camera is broken and I cant, and I live alone so nobody can XXXX for me. We didnt suspect a thing due to how low-priced the dog was. And then she said shell XXXX the dog right away and give us the things the dog needs, such as its cage, food/treats, toys, clothes, leash and collar etc,. Which seemed really okay with us at first because we needed those things so we said okay. And we used the company Zelle to money transfer her, we sent {$200.00} and then sent the screenshot of the money amount transferred to her, and then she blocked me on XXXX. But luckily, she sent us the number so we could Zelle her, but it turns out that the number was her friends number, and her friend was collecting the money for her. We called her friend and asked her to send the money back, she said no. And then the next day, XX/XX/22, her husband texted me on her phone and he was sending us threats and saying that they are not teaming up with the scammer nor do they know the scammer and that they arent friends at all. But how is that possible when the scammer gave us their number and also their real name, both of the contacts were right, and we also confirmed with the scammer if the details were right and she said yes. So please, help us get our {$200.00} back. This is very frustrating and we have already tried to get in contact with them but they have already blocked us.
Consumer complaint received 2022-07-25
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. (NV)

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 is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Consumer complaint received 2022-08-01
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. (NY)

I was Looking Through My Credit Report and I Noticed ... XXXX Reporting an UnAuthorized Inquiry On My Credit Report From " XXXX XXXX XXXX. AND XXXX XXXX Partial Acct # XXXX I did not Give Written Permission To Experian To Furnish any Inquiry on MY Credit Report... This is a Violation of the Credit Reporting Act Section 1681 ( c ) Which Constitutes as Fraudulent Activity and is Also a Serious Breach of My Privacy Rights. 

I want EXPERIAN to provide me with Copies Bearing my Signature of any Documentation I sign Giving them Permission to Furnish anything on My Credit Report. 

In The Absence of Any Such Documents bearing my Signature, I formally Request that those Fraudulent Inquiries Be DELETED Immediately. 

You have 30 days to produce the Requested Contract and to Complete this Investigation as per The Fair Credit Reporting Act Section 611