davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Equifax credit report on XXXX XXXX and noticed somethings are incomplete and not accurate.And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC1581i ( 5 ) they are supposed to do this ( 5 ) treatment of inaccurate or unverified information ( A ) In a general-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 the of the information form the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are not supposed to 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. 

XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 USC 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 that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX SS # XXXX Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/year> Balance {$0.00} This information is inaccurate and Must be deleted at once. 



Request for Action : - **Immediate Investigation Deletion : I request that you conduct a thorough investigation into this matter and correct the inaccurate information on my credit report. 
- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results. 
- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information. 

Legal References : - **12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors. 
- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports. 

Please address this matter promptly. Failure to correct the inaccurate information may result in further legal action to enforce my rights under the FCRA and other applicable laws.
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE I'M BEGGING YOU TO UPDATE MY PERSONAL INFORMATION ON YOUR SYSTEM, IT'S BEEN A MONTHS THAT MY SCORES AND ACCOUNTS IS NOT SHOWING ON MY REPORT DUE TO THERE'S INACCURATE INFORMATION ON YOUR SYSTEM ON MY FILE. PLEASE TAKE AN ACTION WITH THIS MATTER.
Consumer complaint received 2023-11-20
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. (GA)

In 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account Belk : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 seven 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 that the information is inaccurate.
Consumer complaint received 2024-06-13
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. (SC)

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. XXXX and XXXX XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Consumer complaint received 2024-06-13
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. (CA)

The fraudulent, inaccurate, and misleading information on my credit report remains unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-13
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)

The fraudulent, inaccurate, and misleading information on my credit report persists unresolved despite my numerous efforts to address it. The presence of these items has severely impacted my life, causing me significant stress and XXXX It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-13
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. (FL)

I appreciate your time to REMOVE some of the incorrect items in my file that caused by inaccurate credit information but I still have ITEMS left that needed to be removed. Despite submitting an FTC report, these items remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries and erroneous information listed below. This letter addresses several unauthorized hard credit inquiries and erroneous information on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This letter serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Thank you for addressing some of the errors on my credit file. However, I believe the remaining accounts still need review to ensure they meet the Fair Credit Reporting Act standards for accuracy. I am requesting another investigation of the accounts listed below to verify their accuracy : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27000.00}. If your investigation can not confirm the accuracy of these accounts, please update them accordingly. Also, please send me the details of the procedure used to verify the information to the address provided.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

In early XXXX  I was notified by a previous employer that my personal information had been stolen when the company 's corporate systems were hacked. Around this same time I had received an alert from XXXX that there were possible fraudulent charges on my accounts. 

Before I had the opportunity to deal with this issue the XXXX accounts were sold to Midland Credit Management. I could no longer see the card statements on the XXXX website but I could see there was a second card issued to XXXX of my accounts that I never requested. 

When I spoke with an agent at MCM regarding clearing up this debt I told them about the situation of stolen identity and fraudulent charges and asked for them to help me access an itemized list of charges for the account so I could be sure that the debt I was paying was my own as I have numerous reasons to believe there are charges on this account that I did not make. The agent refused and said that did not matter anymore because now that Midland Credit Management held the debt I was responsible for all of it regardless of if any or all of the charges were a result of fraud. 

This company has continued to call me almost every single day for over a year. Their refusal to assist in this matter is the reason resolution has not happened. Instead of helping to resolve the situation I would like to rectify they are instead harassing me for the full amount to be paid. 

In addition to the submitted document from my previous employer regarding the security breach where my personal data was stolen I have extensive phone records of all MCM calls including several days where they called me multiple times in a single day.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (AL)

A collection was placed on my XXXX, XXXX and XXXX credit reports by a collection agency called Consumer Adjustment Company with an address listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX that states that they purchased a debt that I owe to XXXX in the amount of {$260.00}. Supposedly this loan was initiated on XX/XX/year>. I have never opened an account or borrowed money from XXXX. I have disputed this collection with all three credit bureaus as well as filed a complaint with the XXXX  against both XXXX and Consumer Adjustment Company. I have received XXXX communication from either party regarding this alleged debt and would not have been aware of the fraudulent collection had I not checked my credit reports.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

I was prompted to change my password when I logged in. I followed the instructions and wrote everything down as I did so. After that I have been locked out. They tell me to ask to get my user name, when I do I get it but it will not let me use it or to reset password. I am unable to get anyone to help they simply redirect me to the online options which do not work. I have asked to cancel and am told i have to log in to cancel. IF I COULD LOG IN I WOULD NOT NEED TO CANCEL. They continue to bill me for a service I can not use. I have sent 2 certified letters and both time I just get a e-mail back telling me to use the online options which do not work. Firstly all I wanted to was to use the product just as I have for at least the last XXXX  years. Since I am unable to do that I just want to cancel and not pay for something I am unable to use
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is XXXX XXXX XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

I was the victim of a phone scam on Thursday XX/XX/year> at XXXX XXXX. I was contacted by XXXX XXXX  ( XXXX ) that there was a fraudulent {$1000.00} transaction from my account. They asked me to verify my information. The criminal masked his number to appear he was calling from XXXX XXXX and used the information I provided to hack my bank account and transfer {$6000.00} using a XXXX and XXXX XXXX account he created. I froze my credit that day with Experian, XXXX and XXXX. 
On Saturday XXXX I realized my password and phone number tied to the Experian account have been changed and I can now longer access my Experian account. I have tried to call Experian multiple times today during business hours and their automated system will NOT let me talk to a customer service representative. Conversely, XXXX allows you to talk to a representative for assistance even on a Saturday. As of now, I am still unable to access my Experian account. It appears my credit report is still frozen which is a relief, but Experian can not leave their customers without any support and without a way to resolve these issues with a live representative.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MA)

Can not stop Experian email alerts. Tried to call to cancel " membership '' but seems impossible. Can never get to a human, just a constant loop of automated responses that do not allow me to cancel membership and stop alerts. Also see no way to cancel membership online. multiple calls and searches online today, XX/XX/XXXX.