davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$130.00}
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

On XX/XX/XXXX and Again on XX/XX/XXXX I attempted to activate a gift card that was presented to me at my XXXX  function in XXXX of XXXX. The Card package clearly stated that the funds last forever. Sadly, that appears to be a scam. At the time I received the card I did not receive the gift receipt. The card may have been registered to the giver in error, though I question that as I was asked for info that was inside the sealed package at the time of my registration attempt. 

On XX/XX/XXXX, it took six requests to speak to a supervisor who asserted that he could do nothing. I was requested to fax information which included my Drivers license and the back of the Gift Card. I was told by XXXX that I would hear back in 3 business days. That did not happen. 

I followed up today and was told that I needed the original receipt and again I explained that the receipt may not be in existence after 3 years and after another 5 requests to speak to someone who could resolve the issue, I was transferred to XXXX who again asserted that I needed the original receipt from 3 years ago. Again, I explained that it was a gift and I have no recollection of getting it at the time. When I questioned XXXX as to whether US Bank had reached out to the person that is allegedly registered as the owner. The response was No and nor would they. It was added that they assert that perhaps I had stolen the card. I advised them to go ahead and call the XXXX XXXX XXXX XXXX. They declined then shifted to lost as the problem. Again I was told that there is no person or process that would allow for this {$100.00} gift card to be used without producing a 3 year old receipt which likely no longer exists. I would gladly reach out to potential givers, however I was told that the original receipt would be required, no exceptions.
Consumer complaint received 2021-12-20
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: SYNCHRONY FINANCIAL (FL)

Spoke to a customer service representative on XX/XX/20 about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AR)

After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.
Consumer complaint received 2021-12-20
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. (KY)

I have several inquiries on my consumer report as a result of identity theft. I brought this to the companies attention and these inquiries are still on my consumer report, causing me great financial distress. My proof identity is attached below with my Social security card. These inquiries are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. These inquiries pertain to EQUIFAX AND XXXX.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to 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 creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX  XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-10
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX : {$7700.00}
Consumer complaint received 2023-07-29
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: WELLS FARGO & COMPANY (AL)

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, the method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my police report to this dispute.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I, the consumer did not consent to, authorize, nor benefit from any of the following inquiries or accounts. Pursuant to XXXX XXXX XXXX, block and remove them from my consumer report : Inquiries XXXX. Equifax Mortgage XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Accounts 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 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-08-13
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. (AE)

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

{$9400.00} XXXX, XXXX XXXX. XXXX XXXX {$4000.00} XXXX {$1000.00} XXXX {$2300.00} XXXX PORTFOLIO RECOV ASSOC . Try to solve with them, no help. These collection agencies are altering the dates on the accounts, so it never goes away from my credit report.This is affecting my family welfare directly.
Consumer complaint received 2021-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My original loan balance was {$14000.00}. On XX/XX/2021, I made a payment of {$3000.00} to Mohela, so my current loan balance must be {$14000.00} - {$3000.00} = {$11000.00}. But as of right now, the current loan balance shows the incorrect amount of {$13000.00}, instead of {$11000.00} ( {$11000.00} is the correct loan balance after my payment of {$3000.00} ). The unresolved problem is that my entire payment has not been applied to my loan balance and {$1800.00} is missing. 

On XX/XX/2021 and XX/XX/2021, I contacted Mohela about the incorrect loan balance and the missing {$1800.00}, but Mohela refused to resolve this problem.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX, XXXX and Equifax has criminally turned a blind eye on MULTIPLE occasions even AFTER I have provided COURT DOCUMENTS stating no such accounts exist and NO monies are owed! Including but not limited to UNREBUTTED affidavits of truth submitted to the alleged " original creditors '' to which they did not respond accordingly via affidavit of truth. There is no substance, truth or first-hand knowledge to such alleged accounts, and are elaborate mechanisms fueled by conspiring ( kickbacks ) with original creditors to funnel credits back and forth at the expense of the unsuspecting consumer and FULLY BENEFITING THE CONSUMER REPORTING AGENCIES ( which are not even real BUREAUS ), they are impersonating federal agencies through deceptive and clever means of the companies purpose. These fraudulent accounts have been enforced through deception and negligent reporting. Consumer reporting agencies have NO PROBABLE EVIDENCE ; NO PERMISSIBLE PURPOSE ; NO WRITTEN CONSENT and HAVE VIOLATED MY RIGHTS FOR YEARS!

Court documents & affidavits have been sent via The United States Postal Service as witnesses over to the alleged " original creditors '' in regards to the questionable validity of these fraudulent accounts and have been denied FULL DISCLOSURE AND PROBAbLE EVIDENCE. I have sent a final demand for compliance to Transunions legal department demanding they provide probable evidence, contracts, security agreements, tradelines ; any and ALL and FULL DISCLOSURE/FULL ACCOUNTING/LEDGERS/TAX FORMS AND INSURANCE POLICIES pertaining to XXXX : XXXX.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REC ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX OF MO XXXX XXXX XXXX XXXX TXXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-20
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. (FL)

In XX/XX/XXXX, I checked my personal credit report and saw multiple and excessive unauthorized inquiries from XX/XX/XXXX to present. The unauthorized inquires and incorrect information drastically dropped my credit score, and ruined my credit. The incorrect information continues to ruin my credit. As a result, I am unable to obtain goods, products, and services that I would have normally qualified for through my hard work and success. These companies include but are not limited to : 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 The unauthorized inquires consist of multiple '' soft credit checks, '' for reasons unknown. I did not have business with most/all of these companies on the dates the " inquires '' were conducted. These inquires compromised my personally identifiable information, credit, safety and security as they were conducted WITHOUT my knowledge and consent. These aforementioned companies checked my credit LONG before I learned I was a victim of fraud in XXXX. I contacted these companies and confirmed they had the incorrect client name, incorrect client date of birth, incorrect client address, incorrect state of residence and more. Who provided my information to these businesses and service providers? Why was I mistaken for ALL these people?
Consumer complaint received 2022-01-10
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: LEXISNEXIS (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$11000.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$26000.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$300.00}, XXXX  XXXX ( Acct # XXXX ) {$860.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$1600.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX  ( Acct # XXXX ) {$13000.00}, XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$730.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$450.00} has violated my rights 15 USC 1681 section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions.