davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (ME)

On XXXX XXXX XXXX, I disputed the reporting of a voluntary repossession by Credit Acceptance to Equifax and requested removal from my credit, on the grounds of a class action lawsuit ( which I am also a part of ) against XXXX XXXX for purposely hiding costs from consumers in loan agreements, deceptive and extremely predatory lending practices, unfair treatment of consumers, violating XXXX code, unlawful repossessions, and abusive communication practices. Instead of investigating the dispute, Equifax denied my removal request and closed the dispute on XX/XX/XXXX.
Consumer complaint received 2024-02-11
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. (VA)

From XX/XX/ to XXXX  my score went down XXXX XXXX. It says I must have been late on a payment. Rather than being late I paid an extra {$6500.00} on the loan. I am paid in advance. I have never made a late payment. I disputed with XXXX XXXX, Equifax and XXXX XXXX. The all responded back that I have never had a late payment and I am even paid in advance but my credit score has not been adjusted back up.
Consumer complaint received 2015-10-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

They purchased a time barred account that was based on identity theft and have violated FDCA by renewing the statute of limitations illegally. I 've sent a cease and desist letter informing them that the account is time barred and I 've also learned that the company is n't bonded to collect debt in the state of Texas, thus violating Texas State Law. There are numerous FDCPA violations and I 've hired an attorney to proceed with filing a lawsuit against them for it.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

On XX/XX/ I discovered information on my credit report that was not mine some addresses and accounts I then on XX/XX/2023 sent certified mail an identity theft dispute the credit reporting agency has failed to provide accuracy to my credit report by allowing fraud to be reported
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (TX)

XXXX/XXXX/XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute filed ftc reporting public records when I opted out
Consumer complaint received 2024-02-11
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 ACCOUNT 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 WITHHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-02-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX ( XXXX ) XXXX XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Iam attaching proof that Equifax+has admitted that-l was in fact a victim of this data breach and Equifax has done nothing XXXX 
Please help me delete these negative accounts from my credit reports. 
Account # XXXX Name : XXXX XXXX XXXX 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 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I called XXXX XXXX on XX/XX/2024 XXXX XXXX told me that their Collection agency ( XXXX XXXX ) take care of my issues, they no longer have my account!! 
I then called XXXX XXXX the same day, XXXX ( XXXX ) told me they no longer have my account, my account was Canceled/ no Collections!! 
Will send me a Email!! 
Stating information of Cancelation!!
Consumer complaint received 2024-02-11
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : I am going through identity fraud which is why I have a fraud alert on my credit. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

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 supposed to modify accounts that aren't reporting correctly.

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 2020-06-25
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (OH)

My student loans have been with XXXX since XXXX. I finished school in XXXX. 

Even though XXXX has always been servicing my loans. A company called Education Credit Management or ECMC is reporting collections on my credit report for students loans with the same exact dates that XXXX has for XXXX and XXXX for late payments on my student loans. 

I have no knowledge of ECMC. I've never signed any paperwork with them or even spoken to anyone from that company in XXXX and XXXX. I never recieved a letter, an email or any kind of correspondence to who they are. So I have no knowledge of the collections or why they're reporting fraudulent information on my credit report. 

XXXX has always serviced my student loans.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Per the 1974 privacy Act it concerned me that I had to dispute several time to have my personal information updated to my current address and phone number ; XXXX, Equifax, and XXXX violated my privacy by revealing several addresses, phone numbers, and inquiries ; More importantly, XXXX has not corrected the issue concerning my personal information. Furthermore, I believe this is willful negligence on behalf of each reporting agency!! In addition, I'm afraid my personal information could have be open to Identity theft.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (GA)

I '' ve sent out several debt collection validation letters to XXXX XXXX XXXX to the address the company provided on my Equifax and XXXX XXXX credit report. The letters came back as return to sender. This is a violation of the FCRA. All information reporting must be accurate and correct. I have requested and still requesting that is collection be deleted promptly from my Equifax and XXXX XXXX credit report and that I am compensated for this violation that adversely affecting my credit worthiness. I have attached proof of my claim.
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Southwest credit systems is on my credit report, I would like for this company to provide me with the original contract for this account. I would also like for this company to provide me with any documents that they might have where my signature appears in wet ink. As far as I know I have never had any type of business with this company, if the original contract cant be provided to me, please delete the account from my credit report. The FCRA states that upon request, the original contract must be provided to the consumer.
Consumer complaint received 2024-02-11
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. (NC)

In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with XXXX opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as XXXX ' Creditor Information addresses from my credit reports. 
I have requested XXXX, XXXX and Equifax remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX ( XXXX CFR XXXX ) and the Privacy Act of XXXX ( XXXX XXXX XXXX ) to no avail. Along with numerous other violations, XXXX reports the account with on time payments in XXXX of XXXX, while Equifax reports payments 30 days late in XXXX of XXXX and XXXX has no payment history available. Also, XXXX has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, XXXX has it remarked as Purchased by another lender and Equifax has it remarked as Charged Off Account. In addition, Equifax, XXXX and XXXX each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting XXXX, Equifax, and XXXX the remove the XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX from my credit report.
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

I contacted Progress Management Collection agency on XX/XX/XXXX and advised that I would like to pay off the debt that is listed on my credit report. The amount listed was {$180.00} and that once paid, the item would be removed from my credit report. The agent stated yes, they report every a Friday, but it will be removed, so thats the amount I paid. I then reached out to the agency to again because the item is still on my report just to be told That the item on my credit report has not been paid, but yet another item was paid which I have no knowledge of and the item on my report was for my Daughter born XX/XX/XXXX and thats the item I was requesting to pay. They completely lied in order to collect on a debt that I know nothing about and can still reach out to XXXX hospital to take care of. I was the item to be removed from my credit report because thats what I paid In full and agreed upon.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Wrong and multiple address in my account under my name XXXX XXXX XXXX.I faxed trnaunion a copy of my state drivers license of IL.Yet they will not remove the multiple addresse from my account.Please help!
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX accepted into a debt management program. XXXX XXXX XXXX payments are made through XXXX XXXX XXXX XXXX XXXX shows account current every month through app as XXXX XXXX XXXX is paying the {$15.00} fixed paid agreement account shows current minimum payment met yet XXXX XXXX continuously reports late on credit see screenshot attached.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-10
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. (NJ)

I am trying to apply for a credit card with XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) keeps saying they areUnable To Verify Credit Reference. Basically, they are unable to get my report from Equifax. This is weird because there is a hard inquiry from XXXX on XX/XX/XXXXXXXX  so Im not understanding how they can do a soft pull but not a hard pull. Also, my report and score updated regularly with XXXX XXXX and on my.equifax.com. 

Im really not trying to start and issues. I just want this looked into and resolved. I sent a letter twice to EQUIFAX at address XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX. I also uploaded the letter with my ID and social to my.equifax.com. 

I just want XXXX to be able to obtain my credit report so that we can proceed with them extending me credit. Please if there is an internal block, freeze, or anything with my credit report with EQUIFAX. Please remove that freeze and allow XXXX XXXX XXXX to obtain my report.
Consumer complaint received 2024-02-10
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. (NJ)

Hello, im just asking for my rights here, they dont want to report this account to at least one of the major credit bureaus, which is illegal not to do it, i have called like 3 times and they dont call me and once they told me they not doing that, the main purpose of this loan was because i wanted to hace this payment history on my credit reports.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Account # XXXX with XXXX XXXX are fraudulent charges and I never signed contract and they do not have a right to collect. They have no proof or validation of me signing contracts or any medical waivers by letting them under the HIPAA act as well. They keep reporting to the credit bureaus that I owe which in fact I do not owe and should not be on my credit report. This account is fraud and any one reports this is also committing fraud as well. I request this account to be reinvestigated and it was not. I have talked to attorneys and now this has become a big law suite . Please remove this account permanently or you will have have a law suit. I will also file a complaint with the US attorneys and State attorneys office. I will also file a compliant with Senator XXXX XXXX XXXX  office as well Congressman XXXX XXXX XXXX. Attorney that I might go with if this is not removed permanently XXXX XXXX XXXX XXXX XXXX?
Consumer complaint received 2024-02-10
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. (AZ)

I opened a dispute back in XXXX of XXXX  in regards to items appearing on my credit report that i believe are not mine. Equifax responded to the CFPB, but not me and no black and white proof was ever provided.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/year> sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that XXXX, Equifax, and XXXX STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to XXXX, Equifax, and XXXX on XX/XX/year> : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.
Consumer complaint received 2022-10-04
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: ENCORE CAPITAL GROUP INC. (TX)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2020-06-25
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: SELECT PORTFOLIO SERVICING, INC. (CA)

A XXXX company named " Select Portfolio Servicing '' accessed my credit report " WITHOUT '' my permission on XX/XX/2020. This is a FCRA violation.
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (CO)

Payment in amount of XXXX on XX/XX/2020 at XXXX made to company, reference # XXXX. Bank statement reflects payment of XXXX processed on XX/XX/2020. Company refuses to remove this from credit report
Consumer complaint received 2020-06-25
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. (NC)

Equifax report as of today reporting XXXX XXXX account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for XXXX XXXX to present a debt not owed by me from the original creditor XXXX, XXXX XXXX reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: M&T BANK CORPORATION (MD)

I requested a XXXX Loan from M & T bank but it was not processed as I wished. Instead of processing a XXXX Loan the Vice President XXXX XXXX processed an M & T XXXX Loan Application and today I received a denial letter. The Federal Equal Credit Opportunity Acy prohibits discrimination and I am protected under the Consumer Credit Protection Act. My rights have been violated. As well as my credit score could have been effected by her actions.