davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXXXXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVISED MY CREDIT FILE AND DISCOVERED SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS DOES NOT BELONG TO ME AND HAVE NOT BEEN AUTHORIZED BY ME. I AM ASKING THAT THE ACCOUNTS BE INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2021-08-20
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. (NY)

THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such XXXX loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: MoneyLion Inc. (NY)

Someone opened a MoneyLion card in my name using my email on XX/XX/2021. I caught it by chance via an email in my personal account, I immediately tried to contact MoneyLion but cant get in touch.
Consumer complaint received 2022-10-12
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. (DC)

The Federal Trade Commission Bureau of Consumer Protection has received numerous complaints from XXXX XXXX XXXX, DOB : XX/XX/1974. SSN : XXXX in regards to fraudulent credit card accounts, debt collection accounts and an inaccurate public record reappearing on XXXX XXXX Equifax and XXXX credit report. XXXX XXXX has sent Equifax and XXXX countless letters of dispute for the following accounts reappearing on his XXXX, and Equifax credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX Banks XXXX XXXX, XXXX XXXX XXXX, Bankruptcy XXXX XXXX Discharged from the U.S. District Court Minnesota Bankruptcy Court, but Equifax and XXXX has failed to take action and remove the fraudulent accounts and public record from XXXX XXXX credit report. The Federal Trade Commission is requesting for the Consumer Financial Protection Bureau to open up an immediate investigation and investigate this matter promptly with Equifax and XXXX, and send a letter of reply to XXXX XXXX on the findings of the investigation. Thank you for your prompt attention and consideration to this matter.
Consumer complaint received 2022-10-12
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-10-11
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: SYNCHRONY FINANCIAL (CT)

I had a payment agreement with XXXX. XXXX never appeared on my credit report. When CareCredit was purchased by Synchrony Financial, they went back and retro-dated numerous late payments, including 30,60 and 90 day payments. They stated that even though I had a payment agreement in place with them, that it was not enough to cover the minimum payments.

One credit reporting agency reduced this to two late payments on my report, however all three reporting agencies still have these late payments on my credit report.
Consumer complaint received 2022-09-27
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: LEXISNEXIS (MD)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (TX)

Small Business account with Wells Fargo CLOSED on XX/XX/XXXX Credit Card was " frozen '' in XX/XX/XXXX to prevent any charges to be authorized during close down of business. All vendors/final payments were made by check. 

XX/XX/XXXX received call from former partner that was removed from all accounts with the business and wells fargo that he had received a collection letter for a debt in the amount of {$940.00}. 

We and the former partner contacted wells fargo and they stated a charge had been placed on the account. 
We also received the same letter the following Monday. 

Went to branch on XX/XX/XXXX met with representative. He stated to me that 1. The former partner was never properly removed from business accounts and that's why he was still getting letters. 
2. Stated to me that the account still showed " frozen '' /Authorization prohibited 3.  Checking account was closed for business, however bank did not close credit card account. 

XX/XX/XXXX Case sent to resolution department XX/XX/XXXX Received call from resolution team representative stating the account had been properly closed and none of the parties were responsible for debt. 
A letter would be sent out stating all discussed XX/XX/XXXX Called resolution team representative due to the fact I had not yet received any letter confirming above information. 
Rep stated they had just received all final approval that we are not liable for the business debt. 

XX/XX/XXXX All parties received collection letter stating debt was now {$1000.00} XX/XX/XXXX Finally reached representative that was handling our account stated to disregard the collections letters ; that it had been sent before resolution team could get with collection department stating parties not liable for fraudulent debt. 

XX/XX/XXXX Letters received stating above information. 

XX/XX/XXXX Received phone call from Wells Fargo debt collector stating debt was still being collected and the amount was {$1300.00} XX/XX/XXXX,XX/XX/XXXX Spoke to representative in the resolution department. I was inquiring to speak with the Loan Administration Manager that had signed the letter to determine why we were still in collections and being contacted by collections department. 
I was told the manager ONLY SIGNS LETTERS. Will not look at case or speak to customers. 

XX/XX/XXXX Spoke to different representative. 
She stated that even though the debt would not be the responsibility of the individual but would be that of the business. 
We explained AGAIN that the business was closed over 10 mths ago. There is NO MORE BUSINESS. The accounts were closed. The charge was made fraudulently because the accounts were CLOSED. 

This concludes notes to this point. Please contact me for full report with names, locations and real documentation of everything mentioned above. 
***I have a full 3 page report with names, location of branch, case numbers, etc.
Consumer complaint received 2022-10-12
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-08-20
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. (CO)

On XX/XX/2020, XXXX XXXX ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with equifax and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WA)

Macy 's Credit card is incorrectly reporting the date my card was Charged off. The Card was charged off/closed in XX/XX/XXXX however, they have it showing charged off in XX/XX/XXXX. Macy 's also shows that the card is 120 days late starting up again in XX/XX/XXXX however, the card is closed, nothing was charged since the charge off, and it was sold to a debt collector prior to the late pays being reported as though my card is still with Macy 's. I also contacted the credit bureaus who will not fix the issue. Macy 's will not send me verification that the card was charged of in XXXX and they violated FRCA 623 ( a ) ( 5 ) as they did not report the charged of date accurately within 90 days of the charge off.
Consumer complaint received 2022-10-12
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)

In XXXX XXXX XXXX, I was surprised to receive a credit alert that indicated that the collections agency, XXXX XXXX, had placed an amount of {$52.00} on my Equifax credit report for an apparent outstanding fee for car insurance with XXXX XXXX XXXX. 

Previously I had my car insured with XXXX XXXX, but had switched to another insurance company. Apparently because I changed insurance companies after the monthly due date, there was a prorated charge of {$52.00} that I now owed to XXXX XXXX. Neither XXXX XXXXXXXX nor XXXX XXXX made any attempt to contact or notify me via any means of communication, prior to them placing the collection amount on my Equifax credit report. At the time, that alert caused a drop in my credit score of over XXXX points. 

I got the credit alert on a Sunday, the very next day I contacted both XXXX XXXX and XXXX XXXX, to express my disappointed at their total disregard for a persons credit history. XXXX XXXX took my payment and assured me that the collections would be removed from my credit report. 

When that didn't happen, I contacted Equifax and requested that the collection item be removed. My argument at the time was and still is, this was not a credit transaction, neither was I made aware that the debt existed, nor was there any effort made to collect the debt before the collection was placed on my credit report. I was assured the collections would be removed, but only the amount was changed to reflect a XXXX balance. 

I recently completed an application for a mortgage, only to realize that because of the presence of a collection transaction on my Equifax credit report, there is a difference of over XXXX points between my Equifax mortgage calculated credit score and the XXXX, with an even greater disparity with XXXX. 

All this occurred because i wasn't informed that I had a balance to pay and despite my best efforts to have the situation resolved once I became aware of it.
Consumer complaint received 2022-10-12
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)

Again, 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/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX  XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXAsset Amount : {$0.00}.
Consumer complaint received 2022-10-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXXXXXX .... Balance : {$5300.00}
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Choice Recovery, Inc. (OH)

Notice for Proof of Claim Account : XXXX  XXXX  # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX v. XXXX XXXX 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-08-20
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. (AZ)

I have sent out Identity theft packets to all 3 credit bureaus they have not blocked my information that I deemed fraudulent on my account.Bc by law all credit reporting agencies Must block any information deemed fraudulent by the consumer within 4 business days of receiving their identity theft Report. They have failed to do so this is my 3rd time sending them my packet with the information deemed fraudulent a most recent packet got delivered to all 3 on XX/XX/2021 I have yet to see those accounts come off my report.I NEED THESE DELETED NOW!!!!!

XXXX  EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX