davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
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)

Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XXXX XXXX However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt.

Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA.
Consumer complaint received 2024-02-18
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

In XXXX, I received a letter in the mail from a company named Ad Astra Recovery Services. The letter had my name XXXX XXXX on the letter. I opened the letter and it stated that this comp was telling me that I owed an amount XXXX cent. The letter also advised that I had owed the money to Speedy Cash. I did not know who Speedy Cash was nor who Ad Astra Recovery Services was. The letter specified a file XXXX XXXXXXXX and reflected the date of loan as XX/XX/XXXX. I told my husband about the letter and he asked when the loan was opened and how it was opened, He then said how were you able to open a loan with them When you were in the hospital the week that this loan was opened up.The letter had the last four of my social security number. The loan number was XXXX, the original creditor Speedy Cash was located at XXXX XXXX XXXX XXXX. XXXX, MO XXXX the past few months I submitted numerous disputes to Ad Astra Recovery Services . I asked for verification of me owning this account, Ad Astra R ecovery Services sent documentation that I requersted with verification of me owning this account. They sent information that was not accurate as it pertained to me, and where I lived. I was advised the account was opened online with my personal information. Such as my DOB, last four of my social security number. I disputed the account, and advised Ad Astra Recovery Services that the account was not mines. I called Ad Astra sme time later after rhey refused to remove the account off my credit file. It was at this timed I found out that the account was opened online with my personal information. I tole them that the day the account was opened, I had been in the hospital the week of the XXXX, XXXXXXXX. And there was no way that I could have opened the account. Cause I was XXXX XXXX XXXX  XXXX XXXX, and would not have been able to open the account. I also was made aware of the address on the account did not match where Iived. The address on the account was XXXX XXXX XXXX XXXX, Texas XXXX. This address was not my address, My address was XXXX XXXX XXXX XXXX, Texas XXXX Who ever opned the account gave a partial of my address, leaving the city XXXX XXXX Texas off. But gave the address as being in XXXX, Texas XXXX, which I have never heard opf before. Over the last four years I have attempted to get this remeoved, it got to the point I just got tired of dealing with it. I became very frustrated with dealing with Ad Astra Recovery Services, I requested copies of signatures, even electronic signature. Thery could not provide any pictured ID, of my drivers license. Even though they said they said they had my drivers license. This account over the years has effected my credit directly. The date that shows when the account was opened. On my credit reports it reflects the loan date as XX/XX/XXXXXXXX, but on documentation sent to me it shows the a date of XXXX XXXX, XXXX. So, there are two different dates on when the account was opened..,
Consumer complaint received 2024-02-18
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. (AL)

When a bank, credit company, automobile dealership, finance company try to check my credit score they always get the message that I have no credit and my score is XXXX. They requested that I make a copy of my driver 's license, social security card front and back and send them a letter saying what the problem is. I sent it 3 times and they finally got is and the problem is still not fixed. I call to check and no one can tell me anything. The company is Equifax. There is a loan company XXXX XXXX and I am due some money back and I can not get it back because they can not get my credit. Thanks for your help. 

XXXX XXXX
Consumer complaint received 2020-12-05
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: Experian Information Solutions Inc. (NC)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2021-02-23
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: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have a credit card with American Express # XXXX XXXX XXXX. Due to loss of income I missed about 3 payments in 2015. I have made monthly payments every month since XX/XX/2015. I received a 2nd call from their collection dept today from XXXX from someone very obviously in XXXX. Amex evidently has not updated their records with these foreigners. My account is not in collections - it is current. I am being harassed to pay a settlement or they ( from XXXX ) threaten legal action. I want this stopped.
Consumer complaint received 2024-02-18
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)

Again this will be my XXXX time asking this company y to remove the items listed below I never did business with them. Never had an account with them this was all due to fraud. All other credit report removed the times yet exqfax is saying they verified them how can that be. Please for the XXXX time remove the items please Account name TXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and have been disputing this account for over 3 years with XXXX progress to resolution. I have provided many identity theft reports and disputes and they keep reporting this debt as mine. I am filing this complaint as my last attempt to resolve this fraudulent account and after this I will be filing lawsuit.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The information contained in your reporting to the credit reporting agencies are inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of a charge-off is a violation of my rights under 15 U.S. Code 1681c.

Per the IRS publication on income reporting : charge-offs are considered income. Income can not be reported to my credit file.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The information contained in your reporting to credit reporting agencies is inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of a charge-off is a violation of my rights under 15 U.S. Code 1681c.

Per the IRS publication on income reporting : charge-offs are considered income. Income can not be reported to my credit file.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a. 
As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom this may concern ; This is not a third party filing this report. I am a Natural person and I am being taken advantage of by XXXX, Equifax and XXXX. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Equifax is reporting that an item from XXXX XXXX was, acct # XXXX ... XXXX has late payments as recently as XXXX of XXXX. I keep trying to have this problem resolved but on their report they simply will not change it, even though XXXX XXXX verifies this account has been closed since XXXX. This is outrageous, it is damaging my report while I am trying to refinance my home, saying I have a recent missed payment on an account that has been paid and closed for six years. If they do not correct this issue after these repeated warnings, this being the last time, I will have no choice but to file suit under the fair credit act. This is costing me thousands of dollars. I know the people there are aware that I am correct and this is an error. They simply do not want to fix it. This is literal harassment. There is nobody there you can talk to. This is the last time I am doing this before my attorney gets involved.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I have American express Blue cash preferred card with cash reward program ( upgraded from my previous blue cash everyday ), and used it heavily in the past XXXX month ( over $ XXXX total, should have ~ {$200.00} reward dollar based on my own calculation ). I am supposed to earn the reward dollar ( for previous statement ) within XXXX business days I pay the current statement. However, the cash reward dollar in my account was never updated for my 2016 expense. I contacted AMEX regarding this issue by online chat three times, phone call XXXX times. Every time, I had to spend half hour explain what happened. I was promised by different customer service guys that investigations were being submitted that I would get the reward dollar I earned, but XXXX months passed, nothing came back. I am not even sure if the customer service lied to me about the investigation or not because once I was told ( also by AMEX customer service ) that there was no investigation submitted. what make it worse is AMEX can not give me a timeline when this problem can be resolved, and they just want me to wait. I can not close the account either because the reward dollar will be forfeited.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX got all the wrong last payment dates, they sold the account, they are reporting inaccurate information time and time again. XXXX XXXX modified this situation XXXX times and its still inaccurate now its time they delete this account. I have sent numerous of letters out to this company and they still reporting inaccurate information.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The amount that says is owed to XXXX is {$1000.00} XXXX has sent this to XXXX XXXX. I called them and complained and now they added one that is 2000 plus dollars from XXXX and I have not used XXXX in over 20 years. The XXXX account was opened fraudulently and a police report was filed with the XXXX, XXXX XXXX XXXX  The lady that stole my phone that went by the name of XXXX stole wallet, phone and got a grand larceny charge against her because the amount stolen was greater than {$1000.00}. She stole my identity and opened a XXXX account and bought a XXXX tablet. I have repeatedly begged and pleaded with XXXX XXXX to remove this. I have also pleaded with the debt holder XXXX XXXX XXXX XXXX. XXXX XXXX does not have any of my information correct either. I payed off a vehicle to XXXX XXXX  and it shows I am current but owe XXXX. As a proud XXXX XXXX XXXX of the XXXX XXXX having served 8 years for my country I do not believe I will ever enjoy the American dream of owning a home with the credit system and credit bureaus keeping my score down to charge higher interest rates. The XXXX and XXXX collections on XXXX XXXX under XXXX XXXX  are completely false and need to be removed. I also submitted a complaint to the XXXX  Attorny general XXXX XXXX in hopes of helping me solve this complex issue as well. I have XXXX children XXXX of which is adopted. I can't afford to have a poor credit score. Any help with these Multi Billiondollar power houses like XXXX which I soent 47 minutes on the phone with only to be passed from person to person and on hold forever would greatly be appreciated. XXXX XXXX only added XXXX after I complained about the XXXX account. I have had neither in many years. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-18
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. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am requesting the removal of this account from my report due to it reporting the last payment was XX/XX/2017 the statue of limitations on debt in the state of Ohio is XXXX  years on all debt i have had this account removed from my other credit reports due to the same incorrect information being reported
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have attempted several times to remove these fraudulent accounts from my report. I have three collection account for medical debt 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX  XXXX This credit card collections is not mine. 
1. XXXX XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account
Consumer complaint received 2024-02-18
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)

On XX/XX/24 I requested my credit report from Equifax looking at my report I realized XXXX hard inquiries that werent authorized by me Im a victim of identity theft in the past I made a dispute with the company and they sent me a letter the next day after I filed the dispute stating that the information is verified? I attach proof of my identity theft report and also the denial letter Equifax sent me