davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (MO)

First Digital credit card opened in my name, called them and sent them FTC report. they have failed to remove or reach back out. affidavits sent and numerous calls. card opened and balance reported as late pay is damaging my credit.
Consumer complaint received 2022-10-28
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ECMC GROUP, INC. (TX)

To whom it may concern : My name is XXXX XXXX. I am a XXXX XXXX veteran trying to obtain a VA loan to purchase a home, but there is fraudulent student loan on my credit report that is blocking the process. No success in correction after reaching out to ECMC directly, so I disputed the charge through the credit bureau again no success, so I reached out to the XXXX I then got a response from a representative of ECMC ( attached ) that they can not find me in their system. 

Can you please help me get this item removed from my credit history? 

Respectfully, XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I received a Vanilla Visa Card as a gift in XX/XX/XXXX. The value received was {$200.00}. I tried to use the card for the first time a couple of weeks ago, and was unable to use it. I checked the balance online and the value was zero. When I checked the balance online, I could see that the starting balance was {$200.00}, and that it had been used on many occasions and depleted to zero. I did not use this card at all and did not make any of the purchases. I believe someone hacked into the account and stole the card. I have contacted Vanilla and submitted a dispute packet on XX/XX/XXXX. I have not heard anything back yet.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following credit card accounts listed on my Equifax credit report was reported lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Account # : XXXX, and XXXX XXXX XXXX XXXX XXXX Credit Card Account # XXXX XXXX. There are fraudulent changes and transactions on the accounts that are not my charges or transactions.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : XXXX  XXXX Account Number : 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.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (CA)

So about a month ago, My Self Lender Credit Builder Account was hacked and my email and password was changed, so I contacted Self to notify them that my account had been hacked. Once I regained access, I noticed that there were multiple debit/credit cards attached to the account from an address in Texas that a random guy I dont know who used to do several payments and purchases for a phone game, XXXX. I notified Self and they ended up just closing my account, not being aware that this would indeed affect my credit score badly, they did not provide me with any further help when I needed it most. On top of that, my phone service was off for a while, so I was unable to call them, and only Email them. I have put over {$350.00} into my Credit builder account that just got randomly closed as well as my credit score being destroyed due to the fraud and hacking that took place. Please I need my credit score back! Help me! I checked online and there were a lot of cases of people being hacked on the same platform in the month of XX/XX/2022.
Consumer complaint received 2022-04-28
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. (NY)

I would like Equifax to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX they have caused me and my family.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX, Account # unknown 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 many 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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NJ)

In accordance with the fair credit Reporting act XXXX has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-28
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: SYNCHRONY FINANCIAL (FL)

My credit report was affected because one of my banks made a delinquency report for my credit account and because of that the credit limit on that credit card was reduced and another credit card was closed. The truth is that I didnt pay my credit cards because I was in XXXX XXXX ( XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and wasnt able to use my phone. I want to know if i can fix this issue or if there is a law that protects me from this kind of problem.
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I was being bombarded by calls about a {$2000.00} XXXX ( varied ) debt to XXXX. Not having ever conducted a transaction with XXXX that would result in a debt, I largely ignored these calls for about 6 months. Finally, being fed up with call-blocking not being effective, I contacted XXXX directly XXXX probably sometime in 2020, I'm not sure ) by phone to ask if I had ever had a debt with them. They confirmed I did not, and then I closed my account as a precaution. 

Now I'm receiving statements from a debt collection agency called XXXX. Looking them up online, they appear to be legitimate- but many things can appear to be. I'm becoming more concerned about how this may affect me and I want it stopped before it causes me any damage.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # 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 a account without my written instructions
Consumer complaint received 2022-04-28
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. (GA)

In accordance with the fair Credit Reporting act the account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ACCOUNT IN REFERENCE : XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written. Instructions per the FCRA all information reported must be true and accurate
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently challenged the validity of Collection Bureau accounts... XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX already deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate ; they did not provide a signed contract nor a signed HIPPA release giving them permission to discuss my medical with them or anyone and did not provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitations in Florida. I noticed as a result of challenging this account with Equifax they have verified these same accounts. It is my understanding that the original creditor reports the same information to all credit bureaus as expected under FCRA. Equifax was not able to provide...

1.Please provide the method of verification who Equifax contacted to verify these accounts, and what the payments are for, 2.Provide a 1099c for each account since this account was originally charged off, 3.Provide the ofiginal signed contract with Collection Bureau for each account, 4.Provide HIPPA documents with my original signature for each account, 5.Provide collections license number, 6.Provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitationsin Florida for each account, 7.Provide information referencing this account was either purchased or collecting on the original account holders behalf.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion had a glitch in their system that violated my rights as a consumer under section 6.11. As a result, I have been severely affected and my credit score is suffering as a result of this error. I never received a notice, which is a violation of my rights. I am requesting that all inquiries be removed.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (RI)

On XX/XX/2022, Elan Financial advised me by letter that it was closing my account and forfeiting my award points. Elan did not state a reason. When I contacted Elan Financial, they advised me that their neither had to give me an explanation nor provide the identity of the credit bureau or consumer report it accessed.
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (AZ)

I had Discover IT card since 2014.I found some charges which i did n't recognized. I called Discover customer service almost a week back. They transferred me to Fraud detection team who immediately closed my account and send me a new card. Within few minutes i understood what 's going on with my account - reached out to the merchant - who issued me the refund. I called Discover Fraud team another team in less than XXXX hours and asked them not to close my account and no need to send me a new card but they said they will make sure that i will get my new card soon. After XXXX or XXXX days - I got new card which was CHIP based. When i tried to activate that card - but i was asked to call during east coast timing only as DFS fraud team works only in XXXX ... i keep on trying for XXXX days ... and when i got hold of them, i was told destroy the card and i will be getting another card. This time i got the new Discover Card via XXXX - extremely urgent shipment after XXXX days. Called upon after XXXX day to activate it. This card was different from my previous cards as it was ending in XXXX ( my old account was ending in XXXX ). But since XXXX days - they ( DFS ) is not able to find out whether the new card belongs to me or not? Finally today morning - they told me that they will be sending me another discover card by emergency shipment. Almost XXXX hours in total i have spent on this matter during last 10 days. I need to work with their human operators only as the website is not working at all to activate my card. During last XXXX years - I have got my Discover card part of fraud almost XXXX times ... i do n't think Discover is doing enough to secure and safeguard Customer 's account very well. Moreover their overall handling of this issue ( re-issuing new card ) is very very shaky.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I submitted a dispute to inaccurate information being reported on my credit report in XXXX and i was not sent the results of the dispute so i submitted another dispute since the dispute took much longer than 30 days CFPB case # XXXX and the items were deleted except one saying it wasn't being reported i just pulled the report and its still on the report NON REPORTING DISPUTES XXXX  : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. XXXX  : XXXX  XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

I have reached out to Lexis Nexis on illegally obtaining a bankruptcy without my permission under consumer law code 15 usc 1681c ( a ) ( 1 ) and it explains Information excluded from consumer reports. This law also states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 usc 1681b Permissible purposes of consumer reports. This violation states that without written permission from the consumer ( me ). Lexis Nexis is a consumer reporting agency that violates all consumers.