davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-05
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. (CA)

Despite three written requests, EQUIFAX has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report.

They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and is correct.

I am requesting that the following accounts below be verified or deleted immediately if it can not be verified.

Account Number : XXXX : Account Number XXXX   According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. Equifax is required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and that it is correct. In the results of Equifax investigations, they stated in writing that they verified that these items are being reported correctly?

They HAVE not provided me a copy of ANY original  documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Consumer complaint received 2020-10-12
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: Santander Consumer USA Holdings Inc. (NJ)

Santander Consumer USA Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$10000.00} Account has been closed, charged off as bad debt and written off as bad debt. I have sent 3 letters for the deletion of this inaccurate information. I do not owe {$10000.00}. The car was sold at auction and I do not owe this amount that has been reporting for more than a year. 

Under The Uniform Commercial Code, N.J.S.A. 12A : 9-610 ( b ), whereas the lender is not entitled to all of the money it seeks because the sale was not commercially reasonable and, as a result, the sale price was unreasonably low.
Consumer complaint received 2019-11-01
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: Experian Information Solutions Inc. (TN)

I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached to this you will find my photo ID, and a PDF bank statement showing I'm me, as proof of address.

Inquires : XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX VISA XX/XX/2019 XXXX   XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2018-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was a fraudulent account opened with XXXX XXXX without my knowledge. I was able to get the account closed and removed, but I was not able to get the hard inquiry removed. I tried to dispute the inquiry with both XXXX XXXX and with the bureaus, but the claimed they could not remove it and it would just " fall off. '' Not sure what else to do, but I don't want to wait until it falls off.
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

I have contacted XXXX in several occasions to try to rectify this issue and instead they continued to pass the buck around the company and no one would help me and yet this is still negatively reporting in my credit. 

Back in XX/XX/XXXXor XX/XX/XXXX not 100 % sure but i had an account with them i moved and transferred the account. The customer service rep some how created a totally new account for me not informing me of what she did therefore it resulted in a early term fee and some other unpaid fees that i have no clue about. When i contact the creditor EOS as well as XXXX no one can produce the finale bill Nor break down the charges to me. This is why Im bringing it here. I need this off my credit and Im at lost of what to do. My next step i guess is going to small claims court if i can not resolve it here.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

InXX/XX/XXXX it came to my attention that my credit card history with XXXX XXXX ( a credit card I've had since XX/XX/XXXX ), is not showing on my Experian Credit Report ( though it IS showing on XXXX  and XXXX  ).

I called Experian and they informed me that they collect all reported information from XXXX XXXX   and that the problem must be with XXXX XXXX. To look into the issue they filed a research inquiry.

On XX/XX/XXXX, I contacted XXXX XXXX  to confirm that they are indeed reporting this card to XXXX, and they assured me that they are. They also told me that they would file a request to Experian to make sure that this card is showing up.

More recently, in XX/XX/XXXX, I have followed up with both organizations and the situation appears to have not progressed. Seeing that the card in question is still not on my Experian report, I followed up with XXXX XXXX. They once again assured me that they are reporting it, that it must be a problem with Experian, and they once again promised to file a request. I then followed up with Experian, and they too assured me that everything that XXXX XXXX reports they include, and so the problem must be with XXXX XXXX. They too attempted to assuage me by initiating a research request.

That 6 months have passed and that this process is not likely to not get me any further is now fully evident and extremely frustrating. To have almost 6 years of credit history not show up on my Experian credit report ( the only bureau that matters apparently ), is extremely damaging to my attempts to gain other credit.

Please help me resolve this mess between these two giants that seem to be content merely filing requests and reports without actually resolving my issue.
Consumer complaint received 2020-10-12
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: WELLS FARGO & COMPANY (CA)

My complaint is with XXXX  credit bureau. Every time I submit a dispute about information not belonging to me there always trying to block what I send. I am a victim of identity theft and Ive sent everything they have asked for from confirming my identity to submitting police reports and ftc reports and all. Recently I submitted paper work to have things blocked on my report and again I sent all the right paperwork over and they still tell me there not going to block it because they need more information which I sent them. XXXX has been giving me a hard time for the past few months and its getting out of hand soon as I dispute something that was not mined they says its accordance they agree with the other side even when Ive submitted proof to them and court papers and all but yet there still taking there sides and even lowering my credit scores. My XXXX  lock was taken off a couple of times and I couldnt lock it back. Im tired of XXXX  being biased towards me then has to end. I will be submitting a cease and desist order to XXXX  as soon as I finish my motion in court if this does not stop.
Consumer complaint received 2020-10-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (NJ)

I am writing today in regards to my account with Lincoln AFS Account # XXXX. The reason for writing today is in regards to the late payment showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I deposited a check for {$24000.00} at the ATM of the PNC Branch at XXXX XXXX XXXX, XXXX XXXX PA on the morning of XX/XX/XXXX. The ATM gave an error that it could not complete the transaction, but did not return the check. I spoke to the branch office 's Branch Sales associate XXXX XXXX and Branch Manager XXXX XXXX, who said there was nothing they could do and stated it was the ATM vendor 's problem.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been back and forth with TransUnion regarding the inquiries on my credit report. I sent a letter on XXXX outlining inquiries on my credit report that were unknown to me and unauthorized. I then followed up with this letter on XXXX as TransUnion ignored my first correspondence. They continued to ignore me, so another letter was sent out to TransUnion on XXXX, again another request for an investigation and removal incomplete and denied. 2 more letters have been sent since on XXXX and on XXXX requesting an investigation and removal of inquiries that I did not authorize. 

When speaking with TransUnion customer service via phone, they really did their best to express to me that the burden of proof is on me. I have reached out to EVERY single one of the companies that are listed on the inquiries section of my credit report ... I have gotten some letters back from these companies just saying that " per the FCRA we can not assist you with your inquiry ''. I have sent this information to transunion and yet still no results.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

In 2014 I believe my mother had his ex boyfriendliving in our house he stold our bank account information, our debit cards social security and also checks. He took my XXXX XXXX XXXX and deposit a check with no funds to various of my accounts. He went to jail for that but I never did a police report on what he did but now im not able to open any account because of that and ca n't pay all the amounts of checks with no funds that my stepdad did. Offortunitly I have no proof but there is proof he went to jail for doing false accounts and depositing check with no funds.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: The Best Service Co.,Inc (CA)

I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.
Consumer complaint received 2019-11-01
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: Early Warning Services, LLC (AZ)

A XXXX XXXX Money Market Account was fraudulently opened in my name on XX/XX/2016. It was not funded and was subsequently closed on XX/XX/2016. Please see the attached letter from XXXX indicating that the account was opened as a result of a fraudulent application. I am requesting that Early Warning Services ( EWS ) removed this account from my report. It should also be noted that the email address and phone number listed on the EWS report never belonged to me. ( please reference CFPB Complaint ID XXXX )
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

Letter from Complete Payment Recovery Services states my company XXXXXXXX XXXX owes money for a check cashing service provided by XXXX, whereby they allege my payroll check was dishonored. The check has cleared my bank and was paid.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a written request for my consumer file to XXXX XXXX and TRANSUNION. TRANSUNION replied with a refusal to send me a copy of my consumer file stating that I've already received a copy which is completely false.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One Bank has not deposited my Direct Deposits into my account. Apparently there is a technical issue, but I did not hear that from Capital One, I XXXX the issue. I have payments not going through due to insufficient funds. My Mortgage, my car payment, my loans, my credit card payments. This is a huge issue and Capital One was not helpful at all. Worst customer service EVER!
Consumer complaint received 2020-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (FL)

I have requested requested verification and validation of debt per my right under the FDCPA section 809 A and B. The information being reported on my credit report is not mine and I am requesting proof these account are mine. I am aware of my rights and will seek actual and statuary damages to protect them for each violation. This company has failed to provide this documentation to me in a timely manner. If the CFPB can not help me then I will have no other choice than to hire an attorney and sue for damages.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I was sent an email that my Chase Visa account was temporarily suspended due to unusual activity and would have to log in to verify. I did so and they asked for further information including my account number, birthdate, mother 's maiden name, and social security number which I supplied. Then they asked for a copy of my driver 's license or passport which made me suspicious so I logged off and called the credit card number on the back of my credit card who said they hadn't sent an email suspending my account, however I had already given the information including my social security number to the scammers. I immediately changed the password on my Visa account and placed a temporary hold on the account. 
Here is the email I got from the scammers including at the end a copy of the details from the sender : Potential unusual activity on your account We saw some activity on your account that didn't match your usual activity. We're concerned someone may be trying to use your account without your permission. Don't worry. To help keep your account safe, we've temporarily limited some of your account features. 

What do I need to do? 

To start using your account as usual again, please log in and follow the steps shown. This will help us secure your account. 

Secure my account Questions? 

If you still have questions, please choose Contact at the bottom of any page to reach Customer Service. 


Follow the link to opt out of future emails : Click here to unsubscribe Received : from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OH)

XXXX XXXX is attempting a short sale with PHH. Over the past few months XXXX XXXX has been calling in to get a status on the short sale. The seller is deceased and the correct executor documents have been send to PHH and reviewed and accepted. The file was reviewed for a loan modification and denied XXXX. When XXXX XXXX called in XXXX, XXXX XXXX was told the short sale was initiated and the appraisal was ordered. XXXX, PHH said the short sale has not been initiated and the appraisal has not been ordered. The manager said he will initiate the short sale and order the appraisal. XXXX PHH said the file has not been reviewed for a loan modification yet and needs to be reviewed for a loan modification, the manager got on the phone and apologized as XXXX XXXX was given the wrong information again and the short sale will be opened for review and the appraisal will be ordered. XXXX. PHH said the short sale has not been initiated yet, but has been escalated and the appraisal will be ordered. XXXX PHH said the file has to be reviewed for a modification and can not be reviewed for a short sale until the file has been reviewed for a loan modification, the manager XXXX XXXX ID # XXXX said the file has not bee opened for a short sale and she will escalate the file to be opened for a short sale and for XXXX XXXX to call back in 2 days. XXXX PHH said they don't have the executor documents and can not move forward with the loan modification until they have the correct executor documents. The manager XXXX ID # XXXX said that he doesn't have the executor documents that were sent in XXXX and XXXX. He looked into the file and he does see that PHH has the executor documents. He said the file will be opened for a short sale and the appraisal will be ordered. XXXX XXXX has been told that multiple times over the past 4 weeks from multiple managers. Can someone please help?