davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

I used to live in XXXX XXXX and used to go to XXXX XXXX, but during a pandemic, they closed the gym and their services, and I stopped going and moved to XXXX. They want me to pay XXXX dollars for the service I never used
Consumer complaint received 2022-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (SC)

Approximately in Mid XX/XX/XXXX, I requested from my mortgage company, Movement Mortgage, XXXXXXXX XXXX XXXX XXXX XXXX  # : XXXX, a review of the PMI after completing extensive renovations on my condo I purchased in XX/XX/XXXX. The renovations were extensive and a complete gut out. At the time of original purchase, the estimate for this condo returned $ XXXX approximately in XX/XX/XXXX. We only put 10 % down knowing a full renovation was going to be done, we were ok with the PMI insurance. Fast forward to now XXXX XXXX, XXXX, a Broker Price Opinion ( BPO ) was requested by Movement to reasses the condo ( ocean front/water front in the prestigious community of XXXX XXXX XXXX ). The estimator was egreciously wrong in the estimate and used properties to compare that did not meet the standard. The new BPO came in at $ XXXX, essentially indicating that over XXXX in renovations only garnered an increase of {$4000.00} and on top of the raising costs of home evaluations in 6 months. I emailed Movement Mortgage ( in response to their email - indicating that they could not remove the PMI because the evaluation came in at 84.8 % LTV and an 80 % LTV is needed to remove PMI ). Comps performed by my realtor came in as I can sell the property today at {$530000.00}. I believe the estimator/evaluator is wrong and Movement mortgage is continuing to perpetuate the PMI with these estimates that are not accurately fraudently collecting PMI when its not necessary. I've asked for another estimator to review and I appealed the original BPO. I have not heard back from Movement Mortgage since XX/XX/XXXX.
Consumer complaint received 2022-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC. (CO)

I keep receiving letters demanding payment for {$170.00} for XXXX XXXX XXXX XXXXXXXX XXXX, account number XXXX. 

I've contacted XXXX XXXX XXXX XXXX  and they don't have any information to assist me because I am a MAN. 

I have never been to XXXX XXXX XXXX XXXX. 

I've contacted BC Services and they insist that I am liable for treatment.

If this bill is for medical services or tests, please make sure to include the da

te, time and type of service provided. Ive been the victim of many duplicate charges and need as much documentation that you can provide so that I can match it with my payments. It is also very important to include all signed agreements for medical services. PLEASE MAKE SURE TO INCLUDE
ALL SIGNED CONTRACTS FOR THE AMOUNT DUE.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NC)

Marcus by Goldman arbitrarily and capriciously will not allow me to unlock a card I had temporarily locked nor will they allow me to request a new card. Whether this is due to gross incompetence by their technology department or because this is intentional is unknown. I am stranded, however, because of Marcuss misconduct here.
Consumer complaint received 2016-08-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I refinanced my home. They instantly sold the loan. My interest rate is 3.75 % and my payments are {$2100.00}. I just received my first payment, and it says {$800.00} is escrow, {$910.00} is interest ( way more than 3.75 %!!! ), and only {$440.00} is principal. This can not be right.
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NC)

I had a XXXX XXXX financed through Wells Fargo the VIN # XXXX. The bank charged late fees on payments received on time and I calling to complain and they kept putting me on hold. I finally got the amount down to {$4000.00} and was so sick of them adding fees that were not valid I took all my savings to pay the Vue off. Then they took 4 months and tons of phone calls to claim my title to the car.
Consumer complaint received 2015-10-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

Debt acquired XX/XX/XXXX. Original Creditor ( GE Capital ) apparently is now known as Synchrony Bank. Either the OC or Synchrony Bank sold the debt in XX/XX/XXXX. Synchrony Bank XXXX who no longer owns the debt ) has contacted the credit bureaus requesting to review my file on the following dates in XXXX : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have no business inquiring about this debt any further. I have not authorized them to continue to harass me. I want them to cease and desist. There 's no valid reason for these actions.
Consumer complaint received 2023-03-29
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. (GA)

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-22
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: SYNCHRONY FINANCIAL (NY)

I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I did not consent to these inquiries and they need to be removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. It is my understanding that you will check these items with the person who has posted them. Please remove any information that the you can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period.

You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 


-- - SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 -- - SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 -- - SYNCB/PAYPAL ( Bank ) XX/XX/2021 -- - SYNCB/CARE CREDIT XXXX Finance ) XX/XX/2021 XXXX
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

A debt from progressive insurance was placed for collection after I cancel and switched to another company. the account was removed off of my credit in 2014 from Credit collection services, llc the debt was recently paid to credit collection services in full. looking at my credit report credit control services has it on my credit so XXXX collections agencies was collecting on the same debt. I want this acct to be removed immediately.
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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. (MS)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2015-07-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (LA)

Conn 's repeatedly calls between the hours of XXXX - XXXX cst. I have counted today XXXX XXXX, 2015 8 received calls from their bill collection department both human operator and automated. Within the past 4 days I count exactly 27 calls from them. I 'd like to see restrictions imposed and fines if deemed necessary, I do n't think they realize that calling as often as they do will not materialize money to pay them with.
Consumer complaint received 2022-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

My name is XXXX XXXX, I am a XXXX XXXX  of XXXX at a non-profit small XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I still have almost {$40000.00} in student loan debt. Under the government 's expanded public loan service forgiveness plan, my previously unacceptable XXXX payments became acceptable for the program. I have applied numerous times and had my employment verified. My 1st application was now more than one year ago. I have been on the phone with PLSF service providers multiple times for hours of wait time only to have someone tell me I need to keep waiting. They say everything is approved and I must wait. It has now been over a year. my loan is again coming due in XXXX and I can not budget for it. I am single and am struggling to pay my rent as everything has gotten so expensive. I have filed a XXXX with their ombudsman department. No one has ever answered me. This debt remains on my income to debt ratio and is impeding me From buying a home until I get this debt off my credit. I would like for my debt cancelation to be completed and I want to receive a refund for the 50 payments that I have overpaid. Thank you endlessly if you can help.
Consumer complaint received 2016-05-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

i had XXXX with no income coming in i fell behind. I explain this each and every time i 'm contacted. I could n't make the agreed scheduled amount so i send what i can get from family and friends. 
That 's when the calls started coming daily up to 6 times a day starting from XXXX until XXXX XXXX including weekends. I know i owe this debt and looking for work as the Doctor recently released me back to duty with limitations so it 's hard trying to find work with limits. 
But i am trying.
Consumer complaint received 2022-02-27
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. (SC)

I have on multiple occasions gone through the process off trying without remedy, to get the accounts and inquiries causing me hardship, infringing on my right as a consumer too privacy and causing me to lose confidence in the banking system. The same confidence that is essential to the banking systems productivity in commerce ; removed. Pursuant to 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) ( iii ) - my consumer report shouldnt contain information solely as to the transaction between me and person makin the report. nor was i given the oppourtunity to direct that this information not be reported... Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) -a consumer reporting agency may furnish a consumer report in accordance with the EXPRESS written instruction of the consumer. I, the consumer never gave EQUIFAX my EXPRESS written permission or consent to furnish anything on my consumer report, ... no consent constitues fraud ... Pursuant to 18 U.S.C. 1028a - knowingly transfers, posesses, or uses without lawful authority, a means of identification of another person .... constitues aggravated identity theft prior cfpb complaint was closed stating more information needed as to account numbers etc .. you have just received correspondance with such. 

ATTACHED IS PROOF OF DELIVERY AS FOLLOWS : Certified Mail receipt number : XXXX XXXX XXXX XXXX XXXX Return Receipt number : XXXX XXXX XXXX XXXX XXXX XXXX signed for and recieved on XX/XX/22 XXXX am FTC identity theft report reference number XXXX PRIOR CFPB COMPLAINT ID : XXXX
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WA)

I attempted to make reservations for a hotel in XXXX on XX/XX/XXXX. I received a text notification that it might be fraudulent. I approved the charge and it when through. 

A subsequent charge was declined and I received a text I had to call to have the card reactivated ( XX/XX/XXXX ). I called XXXX times ( XX/XX/XXXX and XX/XX/XXXX ), each time being placed on hold. Once, someone picked up and told me that that they were unable to help ( XX/XX/XXXX ), then hung up before I could say anything. The other XXXX times, I was disconnected after XXXX minutes on hold with an automated message that no one was available ( XX/XX/XXXX ). 

I also contacted Citi via chat to have the issue addressed. They first told me that my card was working fine, gave me some misinformation about foreign transaction fees, and then told me to call the fraud line. 

I asked for my annual fee to be refunded as I keep this card *only* as a backup for foreign transactions, and with it being unusable and their fraud department being unreachable to resolve this, I am not receiving the service I pay for. One chat agent said they could do this if I wrote back at the right time of day, when I did that, the next agent said it was technically not possible. This wasted more of my time.
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

I closed my checking and saving account with Citibank. They promised me the check for the remaining balance of my account will be sent to me in 15 business day. However, I haven't received the check for more than 1 month.
Consumer complaint received 2019-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (OH)

I moved into my apartment on XX/XX/XXXX, stayed my full lease length of 12mo, with all on time rent payments. Moved out on XX/XX/XXXX, was told i would be receiving the security deposit within 30 days after moving out. When the end of XXXX/ beginning of XXXX came around and never received it, i called multiple times weekly to inquire, with no answer. After getting an answer mid-XXXX was told that i owe them money, and that i wouldn't be receiving it. When asked for proof of this was denied/they couldn't provide it. Further investigation showed that the collection was put in on XX/XX/XXXX, which was approximately a month after i moved out and from the time I moved out, to the time i discovered the collection in XXXX, was not once contacted in any form about the debt they felt i owed them or any type of proof to show that i did.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MI)

I had a crypto currency account with over XXXX XXXX dollars in from Gemini which is associated with XXXX XXXX I filed a complaint with the bank an the company the i earns just disappeared I have copies of the account in various sceenshots to support this statement I deserve that money i earned that money an for it to just be gone its a scam or something
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX DEPTEDXXXX  ( XXXX ) - ( XXXX ) XXXX DEPTEDXXXX XXXX XXXX ) - ( XXXX ) XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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. (FL)

XXXX 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 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 An 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