davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

These inquiries was not authorized. 
please remove these inquiries from my report ASAP. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries should not be on my file i am sending a FTC and proof of ID aswell.

The companies are not complying with my request
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (NY)

I received text msg ( XXXX XXXX XXXX ) ( XX/XX/2021 ) from XXXX XXXX XXXX indicating that XXXX XXXX XXXX. has sent a debt for collection to Halsted Financial Service for their action. 
I do not recognize XXXX XXXX XXXX. for any accounts ( present or past ) and called XXXX XXXX Security office ( XX/XX/2021 ) and spoke to a manager with XXXX XXXX. I explained the circumstance, and he checked their records for any accounts registered with my cell phone number. he said there was nothing in their system. Additionally, he indicated that the XXXX XXXX XXXX phone number in the initial text is not valid to XXXX XXXX. 
Today ( XX/XX/2021 ) I received a further message from XXXX XXXX XXXX ( Halsted Financial Service? ) which specifies that an email has been sent to me, regarding this collection. No email associated with this cell phone ( or any other email accounts ) has been received regarding this situation. Halsted web page does not list a XXXX XXXX XXXX as a contact number Neither of the two phone numbers appear valid for the two respective organizations.

No email communication has been received from either organization XXXX XXXX mail has been received from either organization. 

What can be done to resolve this situation, which appears to be a phishing scam?
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I called the credit reporting agencies letting them know the inquiries listed below are unauthorized and not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028a Keesler FCU 9-23
Consumer complaint received 2021-11-04
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. (CA)

Just recently found out about, while opening o new checking account, about an item on my Experian credit report about a loan denial with XXXX XXXX  on XX/XX/2021. It was not me asking for a loan with this entity.
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: EGL US, LLC (MI)

As a consumer pursuant to 15 USC 1692a ( 3 ) I was denied for a loan by BMGmoney and their representatives on XX/XX/2023 due to them stating that I did not meet an alleged income requirement that is not stated in their eligibility requirements. Those requirements are If you have been employed for at least one year, are over 18 years of age, are not active in the military and are not in bankruptcy, you may be eligible. Also you must be employed by one of the employers we work with. Pursuant to 12 USC 4502 ( 6 ) I receive compensation in relation to employment and not income. The actions of BMGmoney are deprivation of rights under color of law pursuant to 18 USC 242 and it is knowingly and willful intentional discrimination against me as a consumer with the capacity to be an applicant pursuant to15 USC 1691 ( a 1-3 ). BMGmoney representatives must provide legal proof of the loan income requirement with the supporting federal laws. I am demanding that BMGmoney provide documentary evidence that I receive income in relation to employment with the supporting federal laws. The emails attached are documentary evidence that I was knowingly and willfully discriminated against even after notifying BMGmoney of their illegal discriminatory actions, in which they proceeded to continue. Pursuant to 15 USC 1691e ( a ) and 15 USC 1691e ( 2 ) I have suffered damages due to the actions of BMGmoney and their representatives they are liable for me being an aggrieved applicant in which I am entitled to and am demanding damages in the amount of {$5000.00}. To remedy this matter I am demanding BMGmoney to immediately approve the loan that I applied for or issue me a check for the damages they created in the amount of {$5000.00}. They have deprived me an extention of my credit knowingly with willful intent. This complaint is made in good faith, peacefully, and respectfully.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I contacted XXXX on XXXX regarding my car note with the financing company. I requested an extension on that day. I was sent a form via email to receive a 2 month extension for the months of XX/XX/XXXX and XX/XX/XXXX. I called within 30 days to save myself from being reported 30 days on my credit report. The point of getting a new car note, though I own a paid off vehicle, was to build positive credit. I signed and resent the extension request letter to XXXX via email on XXXX, after being told by the customer service told me that I was eligible for an extension. I contacted Customer Service again on XXXX after discovering that my credit report had a late payment showing 30 days late. I had no idea that it was absolutely required for me to email or fax over the document. I was told by the CS rep on XXXX that I could email the document back. Customer Service revealed to me that the extension request document would need to be faxed or mailed to XXXX. I was told that the documentation would be effective for 17 days from request, for mailed forms. I sent the XXXX via certified mail. This would be 10 days later. The item was estimated to arrive by XXXX, which would have given enough time to process this the extension request, considering that it was not conflicting with business days. The mail was not received and signed for until the XXXX of XXXX. The delay was due the fault of USPS. I was resent a new request form on XXXX. I was not able to complete the 2 fax attempts on XXXX. Which I have attached proof. I was able to successfully complete the fax on XXXX on that Monday. 
I was successful. I contacted the XXXX to ensure my paperwork was received on Tuesday morning, XXXX. The Customer Service rep told me that I owed {$990.00} and to allow 2-3 business days for the Extension Request to be processed & uploaded to the account. I processed a payment equivalent to one month installment payment to avoid a 60 days late payment, since now I know that XXXX does not go by business days when measuring days late. I made a payment on XXXX to avoid a 60 day late payment mark on my credit report. The account used to pay the bank account was the bank account that keeps kicking back from the system & blocked me from online access to pay. Thats another issue. The same account that is in the online portal is the same account that the Customer Service reps use to complete my over-the-phone payments. Being blocked from having the ability to pay online is overwhelming. I say all this to say that the tardiness of the 2 month extension form was out of control. The Customer Service Rep that told me to send the extension form back via email is not my fault. I was wrongfully reported 30 days late even considering XXXX and the XXXX XXXX holiday. I would like to request that the 30 day late payment is removed from my report. Its wrongful reporting and the delays are not my fault. Thank you so much.
Consumer complaint received 2024-02-20
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. (NJ)

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized inquiry on my credit report, which is causing significant distress and financial harm. Specifically, this inquiry : XXXX XXXX It is of utmost importance to underscore that this inquiry do not belong to me and is fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints to Equifax but it is still reporting on my credit report. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Hello greetings so i settled with the auto loan i have been told different things about when the account status will reflect closed i don't understand what is the hold up i received the settlement letter stating one the transaction post which it did the account will close i need to reflect that status there are other financial things i need to take care.
Consumer complaint received 2024-02-20
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)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information.

If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX  Office.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I invested XXXX and had profits in there late XX/XX/2021. I went in to change my password and on XXXX I was locked out of my account and you Have NO ONE you can REACH or call and TALK to at the company! So frustrating. On XXXX I finally get an email I can back in and all the money is gone except XXXX!! There is a potential Class action law suit someone started from XXXX with many saying the same thing they are locked out and money is gone! 
Feel free to go to XXXX and Type in Coinbase Class Action law suit. Lots of allegations on this company. All I know I want my money back and profits and an explanation!
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

In XXXX of 2018 i spoke with a supervisor at Synchrony bank in regards to my XXXX XXXX XXXX account. They stated they would remove the XX/XX/2018 late payment off my credit. I recently had my credit pulled and saw this remark was still on there even after they ensured me it was removed.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello, I noticed that there are several fraudulent accounts that are inaccurately reporting on my credit reports. I have reached out to the credit agencies to inform them that I was a victim of identity theft and that these accounts do not belong to me. I included in the letters attached all of the inquiries and accounts that are fraudulent.
Consumer complaint received 2023-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (NJ)

This alledged debt was settled with XXXX and paid in full. The debt collector is attempting to collect a debt that was paid in full in 2022 and I have bank records to show the debt was paid in full directly to XXXX.
Consumer complaint received 2024-02-19
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)

I am writing to request the prompt removal of unauthorized inquiries from my credit report. These inquiries are causing me significant distress. I have provided verification documentation to support my request and kindly ask for an expedited investigation into this matter. Thank you
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have disputed these accounts for over a year now. They do not belong to me. Im a victim of fraud. 

XXXX XXXX {$22000.00} opened XX/XX/XXXX XXXX XXXX {$0.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} opened XXXX XXXX XXXX XXXX XXXX {$4200.00} opened XXXX, XXXX XXXX My sister opened these accounts in my name.
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (NC)

The allegations from this item require immediate dismissal due to fact of inability to contest the derogatory claim ( s ) injurious to me DIRECTLY, as is my consumer RIGHT to do so. As such, I demand the full extinguishing of every aspect of reported delinquency and or derogatory since the factual nature of them can NOT be verified valid nor certified compliantly reported, as MANDATED BY STATE AND FEDERAL LAWS of reporting, true or not! 

Upon attempts to forward my direct consumer complaint challenging the accusers to demonstrate the requisite document verification ( s ) of the claim 's validity in reality and calls for evidence substantiating the perfect and certified compliance of reporting, I received notice back that the data furnisher address, AS REPORTED, was not deliverable to hence INACCURATE. This deficiency of reporting denies me my consumer RIGHT to question and contest directly my accusers, which means its reporting is unlawful and without compliance in full accordance of mandatory regulatory reporting laws and standards, including the required true, correct, complete, and perfect METRO 2 FORMAT REPORTING! DELETE this misreported data TODAY, even right here and now!
Consumer complaint received 2023-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

Same problem as was on XX/XX/2022 complaint. Attempting to collect debt on a home phone account that was closed, but they kept billing me for 4 months despite the closed account & disconnected phone. 

Went through this with XXXX  XXXX  & XXXX in XX/XX/2022. Transworld Systems Inc bought XXXX  & is now reviving this wrongful debt. 
Thanks, XXXX XXXX
Consumer complaint received 2024-05-12
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. (LA)

My equifax login is broken and customer service has sent me numerous password reset links and escalated the issue to for specialists to review with no success. For a few years now, when trying to log in I get the following : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX ( XXXX ) I am unable to access my report, score, or able to dispute the items that need to be fixed. Equifax has for at least a year, prevented me from accessing my report online or the ability to dispute errors. This has had a significant impact on my finances. I've even sent the disputes by certified mail with letters from credit grantor which Equifax just ignored. I'm in the process of consulting with an attorney to pursue legal action and even compensation for damages as a result.
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (GA)

NATIONWIDE RECOVERY SYSTEMS HAS FRAUDULENTLY AND ILLEGALLY PLACED AN ODIOUS DEBT ON MY CREDIT REPORTS. 

THEY NEVER SENT ME A LETTER AS REQUIRED BY LAW INDICATING THAT I WAS LEGALLY OBLIGATED TO PAY THEM ANY DEBT! IF THEY HAD SENT SUCH A LETTER AS REQUIRED BY LAW I WOULD HAVE PROMPTLY RESPONDED THUSLY ; To : NATIONWIDE RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account.

Proof that you are licensed to collect debt in the state of Georgia.

Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,