davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My information was sold and brought illegally because I was a victim of Equifax data breach. I want all my information deleted from my credit report effective immediately. I have proof that Equifax has admitted that I was in fact a victim of this data breach. They haven't done nothing. Please help me to delete illegal accounts from my credit report. 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. Also 12 hard inquiries. Thank you
Consumer complaint received 2024-01-08
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2024-01-07
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. (NJ)

XX/XX/ I had spoke to some in the department of XXXX about a hard inquiry with XXXX XXXX. I sent them documents from FTC stated someone use my info to apply for a house. I see that XXXX has it down twice on my report. Which I had the report from the FTC I sent my documents on XX/XX/ and I havent yet to see the hard inquiry remove from my XXXX which they have it down again twice. I explain to them it wasnt mines, if they fail to remove theses hard inquiry I will get in contact with you guys.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

I have pulled a comparison report and they have reported three different things on all reports and I have filed a complaint because I sent a negotiable instrument to pay off the card and they said that I couldnt do that but the item followed the USC as a negotiable instrumment they have also reported three different things on the comparison report. I asked to opt out and I called the number that is listed on their website privacy policy they said that i couldnt do it and finally I was told after being passed around that I didnt do it in 30 days then I couldnt.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX. 
XXXX XXXX Reporting Charge off balance of {$570.00} Date XXXX 
XXXX XXXX XXXX Reporting Charge off balance {$0.00} XXXX XXXX.
Consumer complaint received 2024-01-07
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)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 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 : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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. 

Equifax, XXXX, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :
Consumer complaint received 2024-01-07
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. (GA)

I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that XXXX, XXXX, and Equifax do what is legally mandated by the FCRA and FDCPA, and delete the account listing of XXXX XXXX. XXXX, XXXX, Equifax, and XXXX XXXX received a demand for validation from me. As of XXXX, XX/XX/XXXX they have failed to provide any proof from their investigation and/or validation of debt. I have sent multiple letters and disputes since XX/XX/XXXX. Again, I have received no response but a copy of my credit report. Instead, XXXX XXXX is illegally updating my credit report as charged off each month with a balance due and remarks stating it was written off. The FDCPA states they must cease collection activity until they produce verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 12 months since it was requested. As per the FCRA, if no proof of debt exists, it may not be reported to the credit bureaus as they are required to report ACCURATE information. The FCRA also states that the credit reporting agencies must receive written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence as evidenced.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/year>, I received a notification from my XXXX XXXX app that one of my accounts had recently been closed. Upon opening the app, I discovered that my Victoria 's Secret Comenity Bank credit card with perfect credit history of over 10 years had been closed without them sending me any kind of notice via mail or email that this was about to happen. I tried calling multiples times and their system automatically tells me that my account was closed and can not be reopened, and then the call automatically disconnects. It will not allow me to speak to an actual person regarding the issue. I have worked extremely hard to build and maintain my great credit rating over the years, and I am appalled that this now reflects negatively on my credit report.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I recently obtained a copy of my credit reported and noticed that XXXX and XXXX are still reporting XXXX XXXX XXXX which is a charged-off debt to my account after two attempts to resolve this matter. I contacted XXXX and XXXX in XX/XX/XXXX XXXX  and XX/XX/ and have yet to receive any update. 
Furnishing discharged debt, which is now being claimed as taxable income is violating my consumer rights, specifically 15 USC 1681E ( B ). XXXX and XXXX have not done their due diligence of reporting maximum accuracy to my credit profile. Income CAN NOT BE REPORTED to one 's credit report. I have requested that information be removed as I have been issued my 1099c form. I would like to resolve this amicably.
Consumer complaint received 2023-11-02
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In accordance with the fair credit reporting act this creditor had violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. 15 USC 1681eecrion 6 0 4 a section 2 it also states a consumer agency connot furnish an account without my written instructions. Under section USCS 1666b a creditor may not treat a payment on a credit card account under an open end as late for any purpose
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. I am listing all the negative accounts that are a result of the Equifax data breach. Equifax, XXXX XXXX XXXX XXXX account no : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account no # XXXX, XXXX, XXXX XXXX XXXX XXXX account XXXX # XXXX, along with XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, Please have these accounts deleted from my consumer repots immediately.
Consumer complaint received 2024-01-07
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. (TN)

Upon reviewing the Master Promissory Note ( MPN ) related to my student loan account, I observed discrepancies that raise concerns regarding the reporting process. The FCRA mandates that a financial institution, in this case, the loan servicer, must clearly and conspicuously disclose to the consumer, in writing or electronic form, that nonpublic personal information may be disclosed to a third party. The MPN does acknowledge this disclosure concerning the reporting to credit bureaus.

However, as stipulated in 15 USC 6802 ( b ) ( 1 ) ( b ), the consumer should be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to a third party. Regrettably, I was not provided with the privilege to exercise this nondisclosure option, nor was there an explanation offered on how I, as the consumer, could opt out, as outlined in 15 USC 6802 ( b ) ( 1 ) ( c ).

I have attached a redacted copy of the MPN as evidence of my claim. On page 7 of 10, under section 21 regarding consumer agency reporting, it is evident that the document mentions reporting to credit bureaus while deliberately omitting the fact that I, as the consumer, had the option not to have my information reported, as required by consumer protection laws.

Considering these concerns and potential violations of the FCRA and 15 USC 6802, I request that you furnish me with a copy of the document demonstrating where and how I was given the opportunity to opt out of having my information disclosed without my written consent.

I anticipate your prompt attention to this matter and a thorough investigation into the inaccuracies and omissions outlined in this letter. I trust that you will take the necessary steps to rectify the reported discrepancies in my credit file.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions (NY)

Yesterday, XX/XX/XXXX I received a call from XXXX Judgment Solutions ( " FJS '' ). I spoke with a man who said his name was XXXX. He said that FJS is not a collection agency, but a mediation agency. He told me that I owed money from XXXX XXXX. I asked him for details concerning the debt. He said that I was sent a letter in the mail and that my only option to avoid being served at my home or place of employment was to enter into remediation. He said that FJS is in XXXX Wyoming. He said that the debt was from a XXXX XXXX chargeoff account. I contacted XXXX explained that I received a call from FJS and asked if I owed money to XXXX. I called FJS again and conferenced XXXX into the call. XXXX said he would consult with the legal department and return my call. I did not receive a return call but later spoke with XXXX XXXX XXXX who said that she would speak with the legal department and see what they could do to reduce the debt, but that the letter would be e-mailed to me. When I opened the email it came from the email address case management and was a docusign document - not FJS. I did not open the attachment because I was expecting a letter from FJS. XXXX XXXX called me repeatedly telling me my home phone number and address was proof that I owed the debt. I told her that was my previous phone number and address but that did not prove that I owed money. I asked her if she could provide me proof of the debt ( i.e. bills - she said they are not a collection agency ). She said that once we go to trial the bills and proof of the debt will be provided to me, but that if I choose to go to trial an additional cost of {$2500.00} will be added to amount owed - or she could help me out if I accept remediation. My home phone number and address are public information. That does not prove that I owe a debt. I provided FJS my email address so that they could forward me the correspondence I never received. If someone owes a legitimate debt then FJS should provide proof before offering a person remediation - or else. There are a lot of scammers out there. I told XXXX XXXX XXXX repeatedly that if I owe a debt, I will pay it, but just because someone gives you your old phone number and address is not enough reason to have them {$1300.00} or the {$900.00} that she negotiated with the legal department to help me out. XXXX XXXX said FJS is not a debt collection company, but they are offering me a deal to avoid court - or else. Please provide me proof that I owe a valid debt and I will be happy to pay it. Many people today are scammed by people strong arming them into paying off a debt for fear of the consequences. Telling someone that proof of the debt will be provided only at trial- doesn't seem quite right to me. I have attached the emails I received from " Case Management XXXX '' I do not open attachments that do not come directly from the company I am dealing with. Please advise.
Consumer complaint received 2024-01-07
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. (CA)

Equifax, XXXX, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws. 

Due to the serious nature of this claim I give Equifax, XXXX, and XXXX 5 days to correct this matter.
Consumer complaint received 2024-05-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (RI)

I am unable to use an AMEX GIFT CARD. The value is {$100.00}. Amex says the card is active and also is able to be used on online or in physical stores. Anytime I try to use it it is always declined,
Consumer complaint received 2024-01-07
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. (FL)

Per The FRCA, as Federally protected consumer and per 604 - 15 U.S.C. 1681b, Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This was not initiated by me nor did I get any written, electronic, verbal nor, non verbal disclosures about these inquiries. Additionally I did not provide the credit reporting agencies nor these none affiliates to report nor disclose my private personal information. This is a violation also of the Privacy Act of 1974. 

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
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I contacted Equifax in regards to me being a victim of identity theft per FCRA 605b and I submitted my police report, identity theft ftc report, copy of my drivers license and social security card. I also explained that my personal information was compromised based on the Equifax Data Breach in which I have filed a claimed. Equifax has completely disregarded the FCRA 605b by not blocking and deleting the fraudulent accounts. I have have tried contacting the numerous times.
Consumer complaint received 2024-01-07
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: EQUIFAX, INC. (TN)

I am writing to urgently report continued inaccuracies on my credit reports despite multiple dispute submissions. The credit reporting agencies have failed to conduct a genuine investigation, resulting in defamation of my character. 

Key concerns : Verification Process : Requesting a breakdown of how the agencies verified alleged accounts, as the information remains inaccurate.

Defamation of Character : The persistence of false information constitutes defamation, demanding a prompt resolution.

Failure to Provide Results : Agencies have not provided investigation results, violating FCRA rights.

Failure to Notate Disputed Accounts : Neglecting to notate disputed accounts, as required by law, adds to the inaccurate representation.

FCRA Violations : Multiple violations of FCRA, specifically FCRA 15 U.S.C. 1681i ( 6 ), warranting monetary compensation. 
I kindly request your intervention for a thorough investigation, ensuring agencies adhere to FCRA regulations. 

Thank you for your prompt attention to this matter