davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
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. (MN)

This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. The bureau has failed to do so and only respond back with a general " verified '' response. They havent indicated how it was verified, who they spoke with and what information was shared with them that show it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (IL)

My friend referred me to apply for XXXX credit card on XX/XX/year>. I applied the credit card through the referral link, and got approved. According to the terms and conditions provided by XXXX, my friend should get the referral bonus immediately after the card is approved. However, XXXX XXXX is not awarded. 

I contacted XXXX  support and they claimed that I was referred by someone else, so my friend won't get points for my application. I asked XXXX whose referral code was used to created my account, but they refused to provide the information. 

I am submitting the complaint because this is not a unique case. I also did not receive bonus points for a referral on XX/XX/XXXX. Hundrends of people complained about missing bonus points on reddit. Thus, I believe XXXX is performing a scheme to avoid paying bonus points to customers.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I have been trying for several years to reduce the interest rate on mymortgage. I am XXXX and the only income I have is social security. Wells Fargo has been giving me the runaround. 

I again tried to reapply this year and they still give me the runaround. I talk to representative on the phone many times and get no answers. You would think that with the current financial worldwide issue they will listen. I am asking for a rate reduction that's all. 
I have a ref. # XXXX My mortgage no. is XXXX The property is XXXX XXXX XXXX XXXX. XXXX XXXX, nY XXXX Please help the stress is overwhelming ... I just had XXXX and the prognosis is not good
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

World Finance has repeatedly removed and reinserted this debt. On or about XX/XX/2020 the account was added after previously being deleted following a dispute. 
When I contacted the local branch, I was told I needed to call the collections dept at XXXX ( XXXX ) XXXX. When I call that number inquiring about this account ... I was told the collections account is closed. 
So I called the branch back. At this time I was told the account had a balance of nearly {$800.00}. 
This account is reporting at {$300.00}. 
Why is a closed collections account reporting as open? 
Why is the loan holder reporting {$300.00} debt but Is asking for {$800.00} Although the debt is not mine, they removed and added this account several times over the years, the statute of limitations is approaching, they keep re-aging the debt, and reporting inaccurate amounts
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-04-27
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: Westlake Services, LLC (MN)

I was financed by this co. many years ago then in 2019 I filed Bankruptcy chapter XXXX and I included this company as part of my creditor. Now just got the discharged from the United states bankruptcy court my debt was discharged and fact was this debt with this creditor was included and protected under this law and now I went applied for a finance vehicle loan with this company they stated as denial to finance me in the letter they stated as follows : POOR CREDIT PERFORMANCE WITH US another word as I stated my debt with them already been protected by the US Bankruptcy chapter XXXX law and in order to get a loan with them they want me to pay them there for that is against a law of trying collect debt from me knowing it is protected under bankruptcy chapter XXXX law
Consumer complaint received 2020-04-27
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. (OK)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, 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. (FL)

When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for XXXX XXXX, Equifax and XXXX. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.
Consumer complaint received 2020-04-27
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: ID Analytics, Inc. (NV)

I have two hard inquiries for credit cards from XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. I have had my credit cards with XXXX since XXXX.
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (AL)

I'm filing a complaint With the cfpb because I have disputed with the credit bureau Equifax About a inaccurate account on my report that is being wrongfully reported. XXXX XXXX ( account # XXXX ) it has closed the account I had with them for no apparent reason. They stop deducting funds from my account in XXXX of XXXX with no apparent warning or explanation at all. I tried contacting XXXX XXXX on why they're not deducting the monthly payments from my account anymore and I have received no response from them in the last XXXX years that I have try to receive an answer. In XXXX of XXXX they closed my accountWhat 's charge offwith no warning and still have not responded to my request for reason of not accepting my funds or cancellation. I filed a dispute with the credit bureau Equifax To verify this account because they closed my account with them for no apparent reason and stop deducting money from my checking account. I still have the furniture and they haven't contacted me back upon numerous requests for an explanation or to come pick up the furniture to resolve this issue. I'm contacting you to have this account removed from my credit report immediately. because I filed a dispute with Equifax in XXXX of XXXX and have not received a response from them as of today XX/XX/XXXX Which is a violation of the Fair Credit Reporting Act for 30 days non-response.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CT)

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : Accounts to be removed Elan financial these accounts were fraudulently opened i was also threatened by the criminals to do certain things I did not want too. Please remove the two Elan accounts from my report immediately. the fbi was contacted and police report filed. XXXX, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies. 

Please remove Accounts ending in XXXX and XXXX from my credit reports immediately, I was threatened and had to make certain payments and do certain things i did not want to do on the account. please have these accounts removed from my credit.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX  XXXX F - Account : XXXX
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (CA)

I submitted a two part claim and after just 1 day I received a notice saying they detected no error on one of the two claims and denied it. I then decided to file a police report regarding the matter. Now im not receiving any response or communication. This first claim is for {$600.00} The Next claim is for {$900.00} and im still yet to even receive a email that its processed. Anytime i ask to speak with the claims department they say its its own third party agency and that i can not talk to them. I provided every possible document i can physically offer and a police report ontop of it.

The fact they denied the first one so fast and still have yet to receive an update on the second one is not okay. This money was fraudulently stolen from me and now im stuck having to survive off {$0.00} in my bank account for weeks as a struggling college student working XXXX XXXX
Consumer complaint received 2020-05-12
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: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc (CA)

XX/XX/2024 New inquiry XXXX XXXX XXXX I have no idea what it is and didn't apply for this. 

XX/XX/2024 New inquiry XXXX I did not authorized this inquiry. 

XX/XX/2024 XXXX XXXX I did not authorized this inquiry and I've contacted XXXX  XXXX. 

XX/XX/2024 AFFIRM INC . I did not apply or authorized this account.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY ()

I have the AMEX Delta Skymiles Reserve Card, which provides a companion airline ticket each year on the anniversary of the card renewal and payment of the card fee. This should have occurred in XXXX XXXX XXXX XXXX is my renewal date ; however, after multiple requests from the customer service department they continue to say there are issues in providing the passes to customers because of technical issues between Amex and Delta Airlines. They are in violation of the credit card agreement and there is virtually no recourse for the consumer. You can file a complaint here but it wont actually resolve anything. Amex takes your annual fee, but then withholds your promised benefits.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MO)

I ordered a dress from a merchant on XXXX XXXX XXXXXX/XX/year> for {$120.00} and I received the dress on XX/XX/year>. On receiving the item, the size was smaller than indicated on the website, so I returned it on XX/XX/year> and the merchant received my return. 

I requested an Affirm loan and made the downpayment of {$32.00} from my credit card. My vendor refused to initiate the refund or give store credit after receiving my return claiming that the tag came off which is not true. I have also contacted Affirm several times explaining the issue but to no avail. 

My last payment was XX/XX/year> for {$32.00} and {$1.00} which is not up to XXXX days and my account was wrongly charged off.