davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX. I submitted a dispute because I am a victim of identity theft, and I provided you with a notarized Identity Theft Affidavit. You claim your so-called " investigation '' was completed on XX/XX/year>, but I have yet to receive any transparency or satisfactory explanation. Let me be clear : I never applied for any XXXXXXXX XXXX which submitted notarized affavit stating that this isnt mines due to my identity being stolen. Your mishandling of this situation is unacceptable. I am demanding, within 5 days, the following : Full disclosure of every step and procedure you used to determine the " accuracy '' of the false information I disputed. All documentation related to your investigation, including interviews, evidence, and anything you used to make your decision. What is the name of the man or woman who verified the XXXX XXXX Account? If you are challenging my notarized affidavit, I expect Equifax to provide a notarized affidavit under penalty of perjury that specifies exactly who was interviewed and who verified your claim. Equifax If the name of the man or woman who verified this account is not furnished to me it proves that no man or woman has verified this account and this must be removed immediately from credit profile immediately. You have 5 days to provide this information to me
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX CNAC XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Removal of Late Payment I hope this letter finds you well. I am writing to discuss an issue regarding a recent late payment that was reported on my account. I kindly request your assistance in removing this late payment from my records. 

I was a loyal customer of CNAC from XX/XX/XXXX - XX/XX/XXXX and have always prided myself on being prompt with my payments. However, due to unforeseen circumstances, I was unable to make the payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time. I understand that late payments can have a negative impact on both my credit score and my relationship with your esteemed company. 

I assure you that this late payment is an anomaly and not reflective of my usual financial responsibility. My payment history with your company demonstrates a consistent record of timely payments, and I take great pride in maintaining a good credit standing. I have attached proof of my prompt payment history, including bank statements, to support my claim. 

I recognize the importance of a clean credit history and I genuinely regret any inconvenience caused by this tardy payment. In light of this, I kindly request your consideration in removing these late payments from my credit report. This removal would significantly improve my credit score and restore trust in my financial reliability. 

I commit to ensuring that such a circumstance does not occur again in the future. I have taken measures to avoid similar issues by implementing reminders and setting up automatic payments for my future bills. I valued my relationship with CNAC and would greatly appreciate your understanding and support in rectifying this situation. 

I kindly ask you to review my request and provide a response at your earliest convenience. Should you require any further information or documentation, please do not hesitate to contact me via the details provided above. 

Thank you for your time and consideration. I genuinely hope for a favorable resolution to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (PA)

I am writing to inquire about the {$320.00} new checking account opening bonus in relation to my recent checking account that was opened on XX/XX/XXXX with Wells Fargo Bank. My Promotion Code is XXXX. 

As per the requirements for the account opening bonus, I completed a Direct Deposit transaction on XX/XX/XXXX, totaling {$1000.00}, within 30 days of opening the account. However, to my disappointment, I have not yet received the promised bonus despite waiting for nearly 4 months. 

I attempted to reach out to the customer service department of Wells Fargo and was informed that the bonus had been rejected. However, based on my understanding and compliance with the bonus conditions, I believe I am eligible for the account opening reward. 

I sincerely hope you can assist me in resolving this matter. As a new customer, I hold a positive trust and expectation in Wells Fargo and aim to build a strong partnership with your bank.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-11-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mercedes Benz Financial Services (CA)

Was approved for loan but it did not offer a service contract Called dealer and they asked me to come in as they could only do the contract since the dealer. I went in with my approved loan and than after sitting there for quite a while and getting a notification my credit was checked by the dealer and Mercedes financial 4 times I asked what was going on. It was a steal the deal or a bait and switch. Maybe because I am a XXXX year old woman. I was than contacted about doing a new application as I had been out of town and they said they needed a new one. They sent me a contract we talked terms - -years payment $ XXXX something and title papers as well. Then on XX/XX/year> they call and say I am rejected. I told the about my problem with the dealer XXXX XXXX XXXX Ca. and I wanted to dispute. They had me send in paperwork with I did on XX/XX/year>. No reasons given. I imagine due to their people pressing me to do contract with XXXX when I already ad one with Mercedes financial who than canceled my approval.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2019, I received three emails from Synchrony Bank, alerting me that deposits had been made to an Amazon Creditbuilder account in my name. While I do have an Amazon Prime account, I do not have an Amazon Creditbuilder account, which is a secured credit card. This account is fraudulent, as I have never applied for one, either. 

I have spent five hours trying to get in touch with someone at Synchrony Bank to report this potentially fraudulent activity, but their electronic chat feature will not load and each of the four telephone numbers I have attempted to reach has said that they are unable to process my call.
Consumer complaint received 2023-08-23
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: Westlake Services, LLC (TX)

I suddenly received a call from this company ( Westlake Portfolio Management ) referencing an Auto loan account with them asking me to verify by personal information. I have never heard of this company before nor have I done any business with them or given them any of my personal information. 

Since the person on the phone refused to give me any information and I know that my auto loan is with XXXX XXXX, I hung up on them and blocked the phone number. 

To my surprise, I then received an alert from my credit report saying that an account with them was seeing missed payments. 

I tried to file a dispute with the credit bureaus effected and was not successful. I have tried to contact this strange company to get more information about what this is and where it came from and was not provided with any information. 

I need this removed from my credit reports immediately and if I do somehow owe anything to them, they will need to produce a contract or some type of proof that I did do business with them.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XXXX-2019 I tranfered money and then I get over draft charged, they are stating the checks came in first I filed a transfer but it still showed negative all day. Checked it in the eve and still was negative? I am being charged XXXX times 3 thats a lot of money for a mistake made on the on line banking. In XX/XX/ 2019 this also happened to us. The branch was able to fix it. 
thank you XXXX XXXX.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct late open accounts and remove the public record on my credit report. Despite my persistent efforts and valid claims, these late open accounts have not been rectified, causing considerable harm to my credit profile and financial well-being. 

I first identified late open accounts inaccurately listed on my credit report. These entries do not accurately reflect my financial history and have a detrimental impact on my credit score. 

Upon discovering these late open accounts, I promptly initiated disputes with your organization by following the prescribed dispute resolution process on your website. I provided supporting documentation and requested the correction or removal of these late open accounts. Unfortunately, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made multiple follow-up attempts to dispute and correct these late open accounts. I supplied additional evidence and communicated with your customer support, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide substantiating evidence, I have not received a satisfactory resolution from your organization. The late open accounts continue to adversely affect my credit score, making it difficult for me to access credit and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, specifically by removing the late open accounts and ensuring that my credit history accurately reflects my financial record. I also request written confirmation once these corrections or deletion have been made. 

Failure to address this matter promptly not only undermines my ability to access credit and financial opportunities but also erodes my trust in your organization 's ability to manage accurate credit reporting. I am asking for your assistance to correct these accounts and remove the public record : XXXX XXXX XXXX Balance Owed : {$2100.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - You are reporting different information from other bureaus. PeXXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2023-10-17
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. (IL)

Recently I did and investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I did and investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX XXXX Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. 
I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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. (MA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (FL)

I am writing to formally report that I have been a victim of identity theft. I have already filed a complaint with the Federal Trade Commission ( FTC ), under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from fraudulent activities and inaccurate information on their credit reports. 

As a result of this identity theft, my credit report contains several negative and inaccurate accounts that do not belong to me. Under 15 U.S. Code 1681c-2 ( FCRA ), I request that these fraudulent and inaccurate accounts be blocked, deleted, or updated accordingly. This law allows victims of identity theft to request the removal of fraudulent information from their credit reports once they have submitted proof of identity theft, such as an FTC Identity Theft Report, which I am happy to provide.

Furthermore, I invoke my rights under the Fair Credit Billing Act ( FCBA ), which entitles me to dispute incorrect charges and have them removed from my credit file. 

Please take prompt action in ensuring that these fraudulent and inaccurate accounts are corrected or removed from my credit report. If you need any additional documentation, I am more than willing to provide it. 

Thank you for your time and assistance in this urgent matter.