davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

am writing to file a formal complaint against XXXX XXXX  for their alleged violation of 15 USC 6802, 16 CFR 313.7, FDCPA 807,808,809, and MGL Chapter 93A section 2. I believe that their actions have infringed upon my rights as a consumer and have caused significant financial and emotional distress. 

I entered into a credit card agreement with XXXX XXXX  on XX/XX/22. However, since the inception of this agreement, I have encountered numerous issues that have left me deeply dissatisfied and concerned about their compliance with federal and state regulations. 

Firstly, XXXX XXXX  has failed to provide me with clear and concise information regarding the collection, use, and disclosure of my personal information, as required by 15 USC 6802. Despite my repeated requests for a detailed explanation of how my personal information is being handled, they have been evasive and non-responsive. This lack of transparency raises serious concerns about the security and privacy of my personal data. 

Furthermore, I have reason to believe that XXXX XXXX  has engaged in unfair and deceptive practices, in violation of 16 CFR 313.7. They have consistently misrepresented the terms and conditions of the credit card agreement, leading to confusion and financial harm on my part. Additionally, their customer service representatives have been unhelpful and dismissive when I have sought clarification or resolution for these issues. 

Moreover, XXXX XXXX  has engaged in aggressive debt collection practices, which have caused me significant emotional distressThese actions are not only in violation of federal regulations, such as FDCPA XXXX, but also demonstrate a complete disregard for consumer rights and fair debt collection practices. 

Additionally, I believe that XXXX XXXX  's actions may also be in violation of MGL Chapter 93A section 2, which prohibits unfair or deceptive acts or practices in the conduct of any trade or commerce. Their failure to provide accurate and transparent information, as well as their aggressive debt collection practices, may constitute a violation of this state law.

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against XXXX XXXX. I believe that their actions have not only harmed me personally but may also be indicative of a broader pattern of non-compliance with federal and state regulations. 

I would appreciate your assistance in resolving this matter and ensuring that XXXX XXXX  is held accountable for their actions. Please find attached copies of relevant documents, including the correspondence with XXXX XXXX, and any other supporting evidence. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

on XX/XX/2023 i order a credit report and found some discrepencies of hard inquiries that i never authorized to be run on my credit and accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 


list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 a. states i have the right to privacy.

15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
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. (TN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-01
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. (OH)

In accordance with the Fait Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USMC 1681. I was federally XXXX XXXXXXXX XXXX till the present time. 



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

15 US.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

It is illegal for XXXX XXXX XXXX XXXX to report income on a credit file. Per IRS Publication 4681. 

XXXX XXXX XXXX XXXX Is reporting illegal transaction and experiences between the consumer and person making the report Per 15 U.S.C 1681a ( 2 ) ( A ) ( i ) transactions and experiences should be excluded. 

XXXX XXXX XXXX XXXX Is in violation of the Privacy Act Of 1974 5 U.S.C 522a
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX, I BELIEVE THEY TOLD ME IT WAS A BUSINESS CARD BUT THE ACCOUNT NUMBER ENDS IN XXXX. XXXX XXXX XXXX XXXX # XXXX, THIS COMPANY TOLD ME TO EMAIL MY FRAUD CLAIM ALONG WITH THE DOCUMNETS ANDTHEY DENIED IT AND TOLD ME TO MAIL IT AGAIN, PLAYING A STALL GAME.BY I NEVER VALIDATE THAT ACCOUNT, I NEVER SAID THAT ACCOUNT WAS MINES. I TOLD THEM ITS FRAUD, IM NOT PAYING AND TO NEVBER CALL ME., THEY VIOLATED THE FDCPA ACT AND THE FCRA ACT BECAUSE I TOLD THEM THIS IS A FRAUDULENT ACCOUNT..ACCORDING TO THE CREDIT BUREAUS THIS IS A COLLECTION ACCOUNT BUT EQUIFAX HAS IT LISTED AS A CHARGE OFF AND COLLECTION. IM GETTING DOUBLE PUNISH.IN CASE I HAVE TO SUE EQUIFAX I HAVE 6 HOURS OVER THE PHONE RECORDED WITH THEM TELLING ME A LIE EVERYTIME, SAYING THEY REMOVE IT OR THEY CANT BUT THEY WILL THIS TIME, THE CFPB AND FTC REPORT IS FAKE REPORTS AND MORE REDIQULOUS STUFF. AS I HAVE SAID IN MY PREVIOUS COMPLAINTS NOW I HAVE XXXX AND XXXX AND PANIC ATTACKS. THE DOCTOR DIAGNOSE ME AND NOW I GET PRESCRIBE THIS MEDICINE. WHATS IS SO SAD ABOUT XXXX XXXX THEY SAID NOT ONE PAYMENT WAS MADE.I BEEN SENDING THEM ADDITIONAL DOCUMENTS FOR 4 YEARS OR A LITTLE LESS. IM A VICTIM OF FRAUD I SUBMITTED FTC REPORT, POLICE REPORTS AND UPDATED POLICE REPORTS. AND WHEN THEY SAID NO TO THAT THE CREDIT BUREAUS SUPPOSE TO MAKE SURE THEY VERIFIED TO THE MAXMIMUM ACCURACY AND ITS OVER HALF WAY COMPLETE AND EQUIFAX EVERYTIME SAY THAT BECAUSE THEY DONT SEND THE INFORMATION THAT THEY WILL NOT REMOVE IT NO MATTER WHAT. I HAVE AUDIO FOR THAT.
Consumer complaint received 2023-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2022 in the amount of {$3700.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX XXXX before in my life.
Consumer complaint received 2023-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo foreclosed on my home in XXXX  They ignored my requests for assistance and repayment for late payments due to child support being illegally withheld by a parent. I lost my home and had to move with my XXXX children the week of XXXX to a rental and lost all equity in my home and my credit is still destroyed 7 years later. I just received a check from Wells Fargo for {$200.00} with a note that said they made an error when my loan was reconsidered for payment assistance. My mortgage account number was XXXX. While the process was occurring they refused to accept any payment at all towards my loan because they said I was delinquent. {$200.00} will not cover the expense of moving, the trauma to my family, the damage to my credit, the 7 years of income renting a home for my family with no equity to show, and the equity I had in my home. I would like to be compensated in the settlement as the documents and court records show against Wells Fargo. I have been employed full time as a teacher for 21 years and worked part time in addition to that as well. I had the income to cover the expenses, but Wells Fargo refused to work with me and in the end did not even respond to any correspondence or phone calls.
Consumer complaint received 2024-07-01
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. (PA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$41.00} CAPITAL XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$2100.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-01
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (SC)

Disparate treatment. 

They made it difficult to open the account. They wanted verification of income and identity. That was sent over XX/XX/2023, I have proof that I sent verification of the documentation. I also called to verify. 

I was already upset that I received a low credit offer and several of my XXXXn friends have XXXX, XXXX limits WITHOUT VERIFICATION AND A LOWER CREDIT SCORE.

I get a notice stating my account was closed. I called and the representative stated that she sees where the information was sent and it may not have got processed but theres nothing she could do. 

This is absolutely ridiculous.
Consumer complaint received 2024-07-01
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention a matter of unresolved dispute with Equifax concerning inaccuracies in my credit report. On XX/XX/XXXX, I initiated contact with Equifax to address the presence of incorrect information on my credit report. Regrettably, to date, I have not received any response from Equifax. 

The following are the details of the disputed accounts and the necessary corrections : Account : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Issue : This account is not mine. Please remove it from my credit report. 


Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Issue : This account is not mine. Please remove it from my credit report. 


Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Issue : This account is not mine. Please remove it from my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX XXXX were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-01
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXX ( XXXX Account # XXXX ) ( XXXX  Accounts # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! and feel i am being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2024-07-01
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. (AZ)

I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to ensure everything was reporting 100 % correct and accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below? Following the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit reportXXXX XXXX XXXX XXXX XXXX  Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report.
Consumer complaint received 2023-12-20
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: Medical Data Systems, Inc. (GA)

This letter is being sent you a response to a computer generated under sign letter, dated the date in your petition Claim is disputed and validation and proof of claim after disputed that is requested in accordance with the Fair Debt Collection Practices Act, 15US 692G and as amended by adding the following new Title 8 USC & 802 et seq., and the Fair Credit Billing act. 15 USC. 1666 et seq. All of the work in conjunction and which other, including the Truth in Lending Act ( TILA ) 15USC 1601 et esq. It is not now, nor has it ever been my intention to avoid paying any obligation mean obligation that is lawfully owed by the Claimant. In order to make arrangements to pay any obligation which may lawfully owed, please document and verify the " debt '' by complying, in good faith, with the request for validation and return it to me, within ( XXXX ) days of the receipt of this letter.

MED DATA SYS XXXX MED DATA SYS XXXX MED DATA SYS XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.