davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Equifax** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Subject : Request for Verification/Correction of XXXX Financing Statement on Credit XXXX Dear Sir/Madam, I am writing to request verification and correction regarding XXXX XXXX Financing Statement that should be reflected on the credit report for XXXX XXXX XXXX XXXX The XXXX Financing Statement was filed on XXXX XXXX, XXXX, with the California XXXX of XXXX under filing number XXXX XXXX 

Attached are copies of the XXXX XXXX XXXX and subsequent filings, including : - The initial lien financing statement filed on XXXX XXXX, XXXX. 
- XXXX restated collateral filings on XXXX XXXX, XXXX ( File Number : XXXX ) and **XXXX XXXXXXXX, XXXX ( File Number : XXXX ). 
- A termination filed on XXXX XXXX, XXXX ( File Number : XXXX ). 
- An add collateral filing on XXXX XXXX, XXXX ( File Number : XXXX ). 

This security interest covers **all applicable collateral** as described in the attached filings and should be accurately reported on the debtors credit profile. Currently, it appears that this XXXX filing is not reflected on the credit report, and I request that you verify and update the report accordingly. 

Please confirm once the correction has been made. If additional information is required, feel free to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, ** [ XXXX XXXX XXXX XXXX ] **
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

On XXXX XXXX I was involved in a head on collision that left the XXXX XXXXXXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the emergency department. I called Santander XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from Santander stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that Santander picked up the car. I called Santander where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX XXXX stated it was picked up on XXXX XXXX by Santander. Santander than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX XXXX waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a biohazard with XXXX  and XXXX  on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. 
On the credit report Santander stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out Santander stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for Santander moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and Santander to find out the next steps in this horrible ordeal.

The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of account below. I have no knowledge of this account it is fraudulent. I have never lived at these apartments dont know what this collection is about I am not associated with the fraudulent account also it added an extra address that I am not associated with. Please remove this account as it is messing with my livelihood. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX Date opened : XX/XX/year> REMOVE ALL INACCURATE PERSONAL INFORMATION EXTRA NAMES, ADDRESSES, BIRTHDAYS, PHONE NUMBERS EMAILS I SHOULD ONLY HAVE 1 OF EACH.

investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent. 

XXXX XXXX Social : XXXX Yes it is me disputing no one is representing me at this time. 

( IF THIS ISSUE IS NOT FIXED I WILL GO TO THE ATTORNEY GENERAL FOR NOT FIXING FRAUDULENT ISSUES WITH MY CREDIT REPORT.
Consumer complaint received 2021-02-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Bankruptcy court does not report to reporting agencies and does not report to any other of the agencies.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$71.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 

Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 6 Months XXXX sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Address XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX ... ... ... ... ... ... ... ... On XX/XX/XXXX, I filed a dispute with XXXX XXXX and Experian regarding two inaccurately reported late payments for XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX account. The account was opened on XX/XX/XXXX, and was fully paid off by XX/XX/XXXX. Despite this, XXXX XXXX incorrectly reported these payments as 30 days late, negatively impacting my credit score. 

I contacted both XXXX XXXX and Experian, requesting an investigation and removal of these inaccurate entries from my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ). However, neither company has responded within the required 30-day period, which is a violation of FCRA 1681i. I have received no documentation or verification supporting these late payment claims. 

I am now formally requesting that both companies immediately remove these inaccurate late payment entries from my consumer report. Additionally, I seek compensation for damages caused by this incorrect reporting, which has adversely affected my creditworthiness. If this matter is not resolved promptly, I will be pursuing legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages, actual damages, and attorneys fees. 

I am filing this formal complaint with the CFPB to escalate the issue and seek appropriate resolution.
Consumer complaint received 2021-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

I have received NOT ONE written, digital or any other form of communication regarding two recent claims submitted on my credit report. Both claims were submitted on XXXX XXXX, XXXX by a single collections Agency : PHOENIX FINANCIAL SERVIC ( stated servic, not service, on report. ) I have zero knowledge of these accounts and did not receive the services claimed, so it is impossible I owe money for services that were never rendered to me. 

I do not owe a single XXXX to either claim and will sign an affidavit under penalty of perjury stating I do not owe this money. The claim is inaccurate. I do not claim ownership now, nor will I ever. 

I do not claim the account on the basis of false and/or inaccurate information, coupled with the fact I have not received one notice or any other type of communication by this collection agency PHOENIX FINANCIAL SERVIC regarding the alleged account ( s ), ever. 

Inaccurate Claim # 1 : -Opened : XX/XX/XXXX - Alleged Open Balance : {$1300.00} -Type : Blank, not stated. 
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX  XXXX XXXX XXXX -- Inaccurate Claim # 2 : -Opened : XX/XX/XXXX -Alleged Open Balance : {$1100.00} -Type : Blank, not stated. 
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX  XXXX XXXX I researched XXXX XXXX  XXXX, who they cover, and I have not received services. The type of service on the alleged open account is not stated by the collections agency, I have never received one notice or attempted communication by XXXX XXXX XXXX, either. I do not owe a single XXXX.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (SD)

I faxed the information requested by my bank to verify my identity on XX/XX/2021. I was told it wook take 5 business days to have access to my account. I called back on XX/XX/2021 and was told that the documents were grainy and that I would have to refax them. I called the bank regularly and was not told of this issue until today. I am now being told that it could be 48 hours to another 5 business days before I might have access to my account. I have never been informed by the bank as to when I would have access to my funds. They claim that they do not have the phone number to the department that authorizes the release of my funds. I need access to my money.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I noticed incorrect information being reported on my credit reports back in XXXX  2024. I have been contacting the credit bureaus and the creditors since then in order to have the information corrected or deleted from my reports. I have done everything they asked in providing supporting documents and clearly explaining the reasons for my dispute. I previously filed a complaint against all parties in XXXX for non-compliance. I followed up in XXXX and they failed to follow the FCRA by responding in 30 days. The incorrect info is still on my reports and they have not done anything to correct the issue. I am considering meeting with a consumer rights attorney if this continues. This reporting is causing me a great deal of stress and making it hard for me to get approved for credit. I am really frustrated with the way the credit bureaus have handled this situation.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

On XX/XX/XXXX I froze my credit with all XXXX  reporting agencies. On XX/XX/XXXX all XXXX  agencies had lifted that freeze fraudulently. I did not request that. XXXX sent me an email telling me it had been lifted. BUT XXXX XXXX did not. I did not know they had lifted it until I checked it. They allowed someone to removed the freeze over the phone. They allowed my account to be hacked, they allowed someone to steal my identity. They assisted bad actors in theft.
Consumer complaint received 2021-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

In XXXX, a collections item from National Credit Adjusters appeared on my credit report then disappeared. Then this month ( XX/XX/XXXX ), the same collections account re-appeared on my report with a date of XX/XX/XXXX. I filed a dispute with XXXX. I have not received as of today XX/XX/XXXX, any written notification of this collections account I supposed owe. My XXXX credit report shows that this is of Account Type " Factoring Company. ''
Consumer complaint received 2024-10-18
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. (CO)

I have never signed any contract or agreement with XXXX XXXX. Theyve illegally placed a $ XXXX debt on my credit report that has trashed my credit rating. I dont know who these people are and they dont know me either, as theyve stated repeatedly. They have also provided documentation to this effect. I keep disputing this with Experian and the dispute is immediately closed without any sort of investigation, proving that this is my debt. Open close, that fast. They do not contact the company to verify anything because there isnt anything to verify. I called over to Experian as well, and they simply said yeah its yours without checking into anything. I have contacted this XXXX XXXX  company and gave them my full name, address, phone number, ssn, etc. They then provided me with a document stating we are unable to identify an account for you. Thats because there is NO account in my name. Experian completely ignores this document when I give it to them. This is a mistake and its Experian who is absolutely refusing to remove it from my credit report, even after the bank tells them that the account does not exist. I believe they are doing this, because if they remove it, they will be admitting that they made a huge mistake that damaged my credit significantly. Admitting the mistake will make Experian liable and vulnerable to a lawsuit, so they just leave it on my credit report. The creditor sent me the document to remove themselves from the situation and remove their liability. I didnt realize that the dispute feature on their website was this much of a joke. They dont ever look into anything. I have the clearance letter from the alleged creditor that is supposed to remove these sorts of mistakes. Experian ignores it every time to protect themselves from a lawsuit. Which is inevitable at this point. I just dont have the money to hire an attorney yet and they are aware of that. Yesterday I searched for and spoke with attorneys about filing a lawsuit on a contingency basis.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not an account without my written instructions under 15 USCS 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 2021-02-14
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

I read online at your website that companies would try to help with FORBEARANCE? I did not know what the word meant until 6 months into the PANDEMIC DISASTER and another creditor said something about it was XXXX XXXX, so I XXXX it and it told me what it was? like I said no one offered to me until a little late? well, I took a lot of abuse from the creditors, but this one took it to a new level and try to get me to come online so they could mess with me PAYPAL SYNCHRONY BANK, I couldn't find an email that offered me that? I told every one of my creditors that I have a DEBT CONSOLATION COMPANY and all they would say owe we don't deal with them, but if they told me I could get a forbearance I could of canceling my DEBT COMPANY because it would have been much better and faster and know ABUSE.I was told that it showed my PAYPAL ACCOUNT was closed from one of the credit bureaus, but the damage is already done because my XXXX SCORE went from XXXX to present XXXX and I had card closures and credit limit lowered like around XXXX dollars in all, that hurts I worked hard for that XXXX SCORE?? That was the best score I ever had and I was proud of it, One time I got online with Paypal and they lowered my limit on my PAYPAL MASTERCARD, nd it is a XXXX  dollar limit and they lowered it to XXXX dollars and I went to cancel it and they said if I cancel that card I would lose my AMAZON CARD?? so I didn't do that, so is that ok?? If you could receive the CHAT ONLINE you can see all the XXXX I had.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CT)

I was supposed to get rewards of XXXX under a special offer for XXXX XXXX XXXX. But I received only XXXX points upon fulfillment of offer conditions. Spoke to a rep a week ago, was told it would be fixed, but nothing happened. The bank rep told others were affected with the same issue. They asked me to mail the offer rather than searching what was presented to me on XXXX.2020.
Consumer complaint received 2024-09-01
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX, Credit Karma, ( Partner 's ) Dispute of Negative Reporting Due to Lack of Consent Dear, XXXX I am writing to formally dispute the negative information that has been reported by your company to Credit Karma regarding my credit profile. I want to emphasize that I did not provide your company with written consent to report any negative information pertaining to me.

Under the Fair Credit Reporting Act ( FCRA ), negative information may only be reported if there is a permissible purpose and proper consent from the consumer. As I have not authorized your company to disclose negative information to Credit Karma. I request that you take the necessary steps to investigate this matter.

Specifically, I would like the following : Verification of Reporting Please provide documentation that shows the basis for the negative reporting and any evidence of my consent for such reporting. 
Immediate Removal of XXXX XXXX XXXX Account if no consent is found, I request that the negative information be removed from my credit file immediately. 


I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by the FCRA. 

Sincerely,
Consumer complaint received 2021-02-08
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: BBVA FINANCIAL CORPORATION (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX/BBVA USA add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

I have this company or collections agency damaging my image, prohibited my me and family from buying or renting property, my life is in danger because it's putting a strain and stress on my life .Credit is all I have.I tried to contact Wakefield & Associates 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX  3.These 3 collections companies have damage my credit and personal. life I would like those Items Deleted from my credit report Immediately. From All 3 Credit bureaus.