davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NJ)

Re : Final Notice of Noncompliance Unauthorized Consumer Reporting, Willful Neglect, and Demand for Removal of Inaccurate Tradeline Information To Whom It May Concern : This notice is concerning the ongoing matter of your company 's willful neglect and continued noncompliance regarding the unauthorized and inaccurate reporting of my private source data to consumer reporting agencies. Despite repeated notifications and opportunities to rectify this situation, your company has failed to remedy the inaccuracy and incompleteness of the information in question. Further, your actions lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), resulting in significant and continuous harm, including defamation, breach of privacy, and financial injury. 

To date, all administrative remedies have been exhausted, and your company 's failure to respond appropriately leaves me with no option but to pursue alternative measures. 

Accordingly, if the inaccurate tradeline and unauthorized information are not promptly removed from my consumer report within fifteen ( 15 ) days from the date of this notice, I will proceed as follows : Filing of IRS Form 1099-C : I will initiate the process of filing a Form 1099-C with the Internal Revenue Service ( IRS ) , requesting a discharge of any alleged debt related to the unauthorized tradeline reporting, as such debt, if any, is invalid and has caused me undue harm.

IRS Audit Request : I will also submit a demand for an audit of the relevant account to the IRS to determine the legitimacy of your company 's actions and compliance with federal regulations concerning the handling of consumer data and permissible reporting practices. 

Filing of IRS Form 3949-A : A formal IRS Form 3949-A ( Information Referral ) will be submitted, highlighting potential tax law violations by your company in relation to the unauthorized use and dissemination of private source data without a permissible purpose, unjustly enriching your company at my expense. This filing will include an attached fee schedule for each documented violation. 

I remain prepared to take all necessary steps to protect my rights, including pursuing legal action for damages resulting from your continued failure to comply with applicable laws. Should I not receive immediate confirmation of the removal of the inaccurate tradeline and related information, I will proceed accordingly without further notice. 

Please consider this your final opportunity to correct this issue and avoid the aforementioned actions.
Consumer complaint received 2024-08-13
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)

On XX/XX/XXXX, correspondences were sent to XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX involving violations pertaining to an account on my credit profile. 

As a federally protected consumer, I have a right to privacy in which said companies violated ( amongst other violations ) by listing income on my credit profile. 

No resolution has been met yet.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

Immediately after I was scammed on XX/XX/XXXX, I contacted the bank to alert them of the fraud issue and requested a stop payment on transfers right away. After noone followed up with me via email or phone, I called the bank only to find out that 12hrs after I filed the claim, it was denied. That's it. I need my money and I know this transfer could have been reversed Immediately. Why was this not handled properly?!?! I do expect my {$1900.00} put back in my account still today as I know it can be pulled from senders account. Wells Fargo is horrible in actually caring about their customers. Police report filed with XXXX XXXX XXXX Department incident # XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

Violation of the PRIVACY ACT OF 1974 Violation of I.R.S PUBLICATION 4681 under canceled debt, charge off account is considered a certificate of indebtedness and it is considered as income and income should not be showing on my consumer report. 
Violation of 15 USC 1666b, showing late payments is illegal
Consumer complaint received 2022-12-03
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. (CA)

I ordered a copy of my report in smartcredit and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$350000.00}
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (MN)

I unknowingly had two missed payments for my auto loan through bridgecrest. I always make the payment on the login page and found out after my car was repossessed that they havent receieved payment since the end of XXXX. I was unaware of that and found out they tried contacting me but was with my old phone number. They never tried getting a hold of me via email or mail concerning the issue. I had gotten a new phone and number in early XXXX and got a new number. I was willing to pay off the balance owed but they wouldnt do anything about it and said I would need to pay the car off in full plus other fees. I am appalled that they didnt try contacting me via email when they have my email information regarding such a serious thing. I have now started doing some research and came to find out this company is as close to a scam as it comes. I found out that they have been charging me a {$10.00} daily interest fee since the start of the loan three years ago on top of the huge interest rate I had to agree to st the time so only about {$90.00} of my XXXX XXXX monthly payment was going towards my principal. I have been paying the car off for three years now she still owe over {$12000.00} on a car that I bought for {$16000.00}. These {$10.00} daily fees were never agreed upon when signing the loan and wish I wouldve requested a statement long ago. They dont provide statements for what youve paid and whats left on the loan. I am at a loss of words right now with all this. I bought the car through XXXX and stupidly assumed the loan companies they used were trustworthy. I was very wrong. After the reviews Ive been reading from basically XXXX percent of them, I have come to learn and realize that I was truly scammed. Its very odd to me that I received no email notifications or other form of notifications from them outside of an attempted phone call to my previous number and they now suddenly repossess my car to only send it to auction and then have me pay the difference off of what their loan is. Im very upset about this. I am very good with making my payments and have no idea what the last two didnt go through and how theyre not willing to work anything out with me. I wish I wouldve caught this way earlier and wouldve XXXX percent just refinanced. Thank you for any help with this.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

I am writing to formally file a complaint against Westlake Portfolio and Byte regarding inaccurate reporting of late payments on my account.

I purchased a product from Byte, but I was only provided with half of the agreed-upon product or service. Despite several attempts to resolve this issue directly with Byte, they have failed to deliver the full product as promised. In addition to this, Westlake Portfolio, acting on behalf of Byte, has been reporting late payments to my credit report.

I have reached out to both Byte and Westlake Portfolio to dispute the late payment reporting, as I believe it is unjust given that Byte has not fulfilled their part of the contract. Unfortunately, they have refused to work with me to resolve this issue, nor have they taken any steps to rectify the incomplete product or remove the inaccurate late payments from my credit report.

I am seeking your assistance in resolving this matter and having the inaccurate late payment information removed from my credit report, as well as ensuring Byte delivers the full product as per our agreement.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I bought a XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The final sale price of the car was inordinately different to the agreed on price ( posted sale price ) of the car. When I looked over my final agreement, to offset the effects of the cost, I decided to return all extras and addons I purchased with the car. These are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The finance XXXX ( XXXX XXXX ) asked me to send an email returning all these products and I did so on XX/XX/XXXX. He told me it would be reflected in my loan payments in about XXXX to XXXX weeks. I refinanced the car loan a few weeks later and I kept contacting Capital One but they claimed they never received any returns notifications from the dealership. I have been calling the dealership intermittently and all they do is give me the run around. They ask me to call Capital One and then asked me to the XXXX XXXX department. All of these calls brought no results. They promise to call me back on a number of occasions but that never happened.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

I attempted to get some money from the ATM on XXXX. I attempted to take out {$500.00} and the ATM didnt release the money so I tried again to get {$300.00}. Again it didnt give me any money. I called the bank on Tuesday to get my money because I had rent to pay and I was told there was nothing they could do they would have to do a dispute and investigate.
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC Last reported XX/XX/XXXX {$920.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX I have no idea what either of these are? I have no account with them and have never had an account with them! After my spouse past XXXX mistaken him for me and from that point things were all jumbled up and I don't know if he had these bit si definitely did not... ..XXXX filed me deceased And he was the one and now im finding things I have no knowledge of on my credit report ... .please help me I have tried everything
Consumer complaint received 2024-09-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX I paid off entire balance ( according to XXXX BANK ). The balance was incorrect. The provided balance was incorrect which I was not aware off. According to the statement XX/XX/XXXX Synchrony Bank applied a credit issued a check an amount of {$470.00} on the address which I no longer reside. I contacted the bank, provided the new address including my new name ( after divorce - attached my divorce decree, legal ID with my new last name ). During the first contact I updated my information with correct my last name and the correct address. Until today - XX/XX/XXXX no check, no explanation. Between this time, I contacted the SYNCHRONY BANK multiple times. All his time the bank teller informed me that the check has been sent... Today, during the last call after I demand confirmation the address the check has been sent the bank teller rude disconnected. This is not acceptable and incredible wrong. If I would own this amount of money, within a few weeks I could get multiple calls from collector an have negative remarks on my credit report. The bank not only would XXXX  payment but interest and penalty. 
Now, I demand from bank not only returning overpayment but interest and paying me for all inconvenience. Bank is taking advantage of my ethnicity and national of origin, language barrier. Please help me to return my money back. After devastating divorce I'm going through hardship, lost mu property, relocating, living with family in OH.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

on XXXX I used the Truist XXXX Banking XXXX  to deposit a check ( sent to me as a gift from a family member ) worth {$4000.00} into my checking account. I received a text from Truist that the deposit was received and that typically funds would be available within two days unless there was a hold. I then received an email from Truist that a hold was being placed on the deposited funds of XXXX XXXXXXXX. The following day I received an email that only {$3700.00} of the funds were being held and that they would be available XXXX. I tried to use my debit card later that day ( the XXXX ) and it declined. I then tried to log into the Truist mobile app to see what the issue was and it could not log me in, claiming that there was a " sign in error ''. when I tried the " forgot my password '' or " forgot my userID '' features, it claimed my credentials were invalid despite being correct. The following day ( the XXXX ) I called Truist 's customer support line and they gave me the direct number to the fraud department. When I got in contact with the fraud department they said my account was put on hold due to a " fraudulent check '' and asked if I was aware of the deposit. I told them I was aware and corrected that the check was not fraudulent, it was sent by a trusted family member. she said that she would make a note of that on my file for the investigator. I asked her how long it would take to resolve this and she said " it depends on the the person assigned to my case ''. I said okay and ended the call thinking this would be resolved in a few days. At this point I have received no correspondence of any kind about my entire account being put on hold besides what was said on that one phone call. No email, no texts, no mail. I can't log in to my online account or use my debit card or pull any money from the account. It's completely locked. I double checked with the person who sent and wrote the check that everything was okay on their end and they said there were no problems. I called Truist again on XXXX after not receiving any sort of update for several days, calling the direct line for the fraud department again. I was told they were still investigating. I asked for more info regarding at least a time frame because I could not understand how they can hold my entire account and money XXXX for this long when I need to eat and pay bills or why they are even investigating in the first place. the call operator went on hold for a long time and then just read me a script response that the account is being investigated and that they can't give me a time frame since it's up to the analyst who is assigned to my case. the last thing she said was to keep an eye on any correspondence from them regarding the situation. as of the day of submitting this complaint ( XXXX ) I have not received any information or update from Truist about my account. my account is still locked and I have no way to access any of my funds.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MD)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MD)

I requested a Navient School Discharge application. In XXXX I submitted my application. I had over XXXX pages of evidence and included links to other documents related to the misconduct ( attached ). In XXXX Navient sent me a letter stating that my request had been denied because my complaint did not meet the criteria for discharge due to school misconduct. The school in question is the XXXX XXXXXXXX XXXX XXXXXXXX, which has been proven fraudulent. I want to receive a discharge of the private loans for this fraudulent school.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX BRCLYSBANKDE XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX To Whom

It May Concern, This letter serves as a formal complaint regarding the inaccurate and incomplete credit information that you have reported to the credit bureaus. According to federal laws,
it is mandatory for information furnishers to report precise credit information to the credit bureaus. Unfortunately, in this case, you have failed to fulfill this requirement. It is crucial to ensure that all reported information is completely accurate and correct. I raised a dispute concerning the following information more than 30 days ago, and I have yet to receive a response from you : I have been a victim of identity theft. Please review the attached documents regarding this case and the completed identity theft affidavit. Furthermore, I kindly request that you refrain from reporting and block any information associated with this case as per FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of such information within four business days upon receipt. 
It is imperative that this inaccurate information is promptly removed from my credit file. I kindly request that you contact the credit agencies to whom you reported this information and have it removed from my credit profile to prevent any misleading information. 

Under federal law, you are obligated to carry out your reinvestigation in a timely manner. Furthermore, I request that you provide me with a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days after the completion of your investigation. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that you are required to reevaluate these items with the respective creditor responsible for their inclusion. Please eliminate any information that the creditor can not verify. I am aware that 15 U.S.C. Sec. 1681i ( a ) stipulates that this reinvestigation must be completed within 4 days from the receipt of this letter. 
Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no cost associated with obtaining this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months of the necessary corrections. 
Thank you for your attention and assistance regarding this matter. Yours sincerely,