davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Hi Equifax, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). I also have no association with these accounts you blatantly ignored my FTC report you are violating my federally consumer protected rights.

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

- XXXX XXXX opened XX/XX/XXXX XXXX - XXXX XXXX XXXX opened XX/XX/XXXX XXXX - Address : XXXX XXXX XXXX XXXX, OH XXXX Provide the description of the procedure of the investigation used to verify these accounts if you cant, delete the accounts immediately. Failure to do so will result in me contacting the attorney general and filing a law suit. 

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Also I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ). 

These accounts are incomplete and not accurate. Not belonging to me. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX CORRECT ALL PERSONAL INFORMATION YOU FAILED TO EVEN DO THAT LAST INVESTIGATION! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone number : ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time. 

Remove fraudulent accounts, inaccurate accounts, correct personal information the other bureaus ( XXXX, XXXX ) have removed this same exact information how in the world could you find it verified and accurate only leaves me to assume an investigation wasnt done at all you are violating my consumer rights do not ignore the information attached as well you arent honoring my dispute.
Consumer complaint received 2024-10-02
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. (OK)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

My account with EQUIFAX XXXX XXXX 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (CA)

Re : You Violated the United States Code Law 15 U.S.C 1681 ( c ) ( 1 ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and I'm entitled to monetary compensation under FCRA 15 U.S code 1681s-2 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction that is not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-02
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (VA)

I opened a Wells Fargo checking account on XX/XX/2024 with an account opening promotion code that promises to reward {$320.00} to my account should I meet the requirement of setting up a direct deposit and receive more than {$1000.00} direct deposit over 90 days upon account opening. I met the requirement but they didn't pay me the bonus because they say I don't have a Social Security Number. But the fact is that my banker did not tell me that I needed to put in my SSN to get the bonus. She even received an internal email about the abnormal status ( lack of XXXX ) back in XXXX but didn't tell me anything. It is not my fault that I didn't put in the XXXX. On XX/XX/2024 when I went back to the branch to ask my banker why I never received the bonus, and only until then they told me that I needed to submit the SSN to receive the bonus, which I did submit on the same day. After a few rounds of communication with their Escalation team, I was told that their promotion team can't pay me the bonus.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (NC)

In XXXX of XXXX I contacted Exeter Finance and let them know I would be XXXX in XX/XX/XXXX to request XXXX XXXX XXXX. The representative let me know to send in my XXXXXXXX XXXX XXXX paperwork and the request would be processed. She told me to reach back out in XXXX  days to ensure the request was processed. I asked her to explain the benefits and she let me know the following : XXXX. Late payments would be reported to the credit bureau if I become late XXXX. Even if I become more than XXXX  days late, my vehicle would not be repossessed as part of the XXXX benefit. 
XXXX. I was eligible for XXXX deferements as a result of the XXXX benefit. 
XXXX. My interest rate would be updated to XXXX XXXX and any future payment made would be applied based on the updated interest rate. 
XXXX. I would be eligible for the XXXX benefit for XXXX months from the application of the benefit to my account. That would be XXXX XXXX to XXXX XXXX. 

I reached back out to Exeter finance on XX/XX/XXXX and spoke with a representative. She stated that my orders had been received and my request would be processed and I would receive a written notice as well as an email from the XXXX team when the request was completed. The email would be sent to the email address on my account and I confirmed the address. 

On XX/XX/XXXX, I would injured in duty and was put in a XXXX XXXX XXXX I was initially released on XX/XX/XXXX. I contacted Exeter XXXX on XX/XX/XXXX to inquire because my credit report was saying that I was not XXXX days behind on my payment. The representative I spoke with states she did not see any notation that I let anyone know I was XXXX and/or requested SCRA coverages XXXX She also let me know that my vehicle had been picked up and towed and was ready to be auctioned. She stated unless I paid the full remaining balance, there was nothing I could do at that point to stop the sale of the vehicle and that I would be responsible for the remaining balance. 

I called and spoke with several supervisors at Exeter finance from XX/XX/XXXX to XX/XX/XXXX to plead my case for XXXX benefits, but was denied because my vehicle had already been repossessed. On XX/XX/XXXX, I was reinjured and in a XXXX XXXX center until XX/XX/XXXX when I was released from XXXX XXXXXXXX duty. 

I have since contacted Exeter to resolve this matter by phone with no resolution as well as disputing this account my credit report. All of these actions are in direct violation of the XXXX benefits available to me. My next step is to file a suit with the Department of Justice for non compliance of Exeter to assist me with these benefits and the unfair reposession and account balance that is now on my credit report. 

This inaccuracy needs to be removed immediately as I am entitled to my credit report being correct and free of inaccuracies.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/year> my phone was stolen at XXXX XXXX and I became a victim of fraud. This banking institution was notified and I gave them every bit of evidence needed to prove that fraud had occurred. The people who committed this fraud took money through cash advances on my credit card and also sent money through money sending services such as cashapp and XXXX from my checking account. All this happened same time, same day, and I even have a police report stating so along with other banking institutions letter of approval for fraud because they had wiped all my accounts. Now Navy Federal Credit Union approved of my fraud for only my credit card but not my debit card. Why would they approve for one and not the other when it all occurred on the same date. They first told me because of insufficient evidence until I sent them the hard copy of the police report then switched it to spending habits which in fact I use my credit card for everything so I can garnish points and never use my debit card and actually I leave it home in a drawer because I dont use it. They are trying to not give me back my funds and telling me different reasons to get out of it. I believe as a consumer/customer I should be protected and again should be faulted to the funds returning since they approved of the credit card fraud. Not only did I send a police report but I sent proof of my phone being deactivated for find my location services, my passwords being changed, birthdate being changed and all the money being sent during the time of the occurrence. When even I call they tell me that the case has been denied even though they approved of my credit card fraud.
Consumer complaint received 2024-07-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC. (OH)

I bought aligners from XXXX XXXX XXXX in XXXX through HFD ( healthcare finance direct ) as the XXXX XXXX payment processor, and I am expected to make monthly installments. 

In XXXX, within my 30 day refund window, XXXX  XXXX went bankrupt. I requested a refund within the window due to the bankruptcy. 

I provided the information they requested to lookup my account and they replied saying, Hello { my name }, We have received your email. 

Unfortunately, it seems that we are not servicing your account. Therefore, we are unable to assist you with any questions or concerns. Please continue to monitor the XXXX  website at XXXX  for any further updates. 
I can not contact XXXX XXXX as ALL OPERATIONS have been shutdown. 
However, within a matter of days, a payment came out of my account under the same creditor name. I replied : So you ARE servicing my account, and I ask for a refund within my 30 day refund window, and XXXX does not have support at the time so how does a refund get processed now that its taken me weeks to figure out my account still exists. 

This resulted in an email telling me to setup an account ( which I already had and could not access ). I am not making anymore payments until I know how my loan is being handled and how to get into my account. 

I continue receiving emails from HFD saying my payment is late ( even though according to them, my account doesnt exist ). My bank has been instructed to hold all payments to this company until I hear news about the process. Very frustrating as I dont really know who is responsible as creditor anymore which seems untrustworthy and I dont feel comfortable adding more money to a product I wanted to return within my window nor receive any services moving forward from them.

Holding consumers in this limbo while requesting payment for services unrendered is fraud and Im not willing to give in, and I hope nobody else is either.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (CA)

I made my minimum payment due on my credit card ending in XXXX on XX/XX/XXXX On XX/XX/XXXX that payment was returned, due to a bank error. I never received notification that this payment was returned. Nor did I receive notification that I needed to process the payment again. Per Navy Credit Unions past, and current practice, with credit accounts I have with them, including loans, Navy credit union will automatically retry to process payments multiple times if XXXX gets reversed. They detracted from their customary practice in this instance, and did not notify me that I needed to process my payment again. 

I eventually noticed the situation on or about XX/XX/XXXX and processed the payment agasin, successfully. 

I am a consumer with a XXXX, a XXXX XXXX XXXX survivor. I have memory, learning, and cognitive, XXXX. My special needs require accommodation, in the form of proper alerts. My righta to have my XXXX needs met, and accommodated, as required by the Americans with Disabilities Act were violated in this instance. As a consequence, I was reported XXXX  days late to the credit bureau 's fopr my XX/XX/XXXX cycle
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc. (MN)

On Thursday XXXX XXXX I applied on line for an Avant MasterCard. I had been receiving literature from them for years encouraging me to apply. I never responded because the APR was quite high at 34 %. As a XXXX XXXX I rely on my pension and social security for my primary sources of income. I have been XXXX XXXX for the past 37 years and still work occasionally. The brochure that I received from Avant stated that I had been " pre-approved '' for a {$1000.00} line of credit. I realized by filing out the application that my credit report would take a " hard hit '' but I assumed, wrongly as it turns out that I would be approved.I 've been trying to improve my credit rating so I can either refinance my house or take out a reverse mortgage. My self employment income is based on voiceovers. 
Iv'e been doing this since XXXX. Unfortunately, as a free lancer, the opportunities have been few and far between lately. The last thing I need is a negative hit on my credit rating. 
Having been in the XXXX XXXX  for nearly forty years I recognize false advertising when I see it. Avant is guilty of that in no uncertain terms.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OneMain Finance Corporation (TX)

Complaint Letter to CFPB To Whom It May Concern, I am writing to formally express my dissatisfaction with the service I have received regarding my BrightWay Card account with OneMain Financial. Despite multiple attempts to resolve these issues, I have experienced inadequate responses and unmet promises that have led to further complications. 

Complaint Details : Failure to Honor Payment Arrangements : Following the nationally declared disaster in XX/XX/year>, a special payment arrangement was promised by your team, indicating that I would not have to worry about the monthly minimum payments while recovering. However, my account was marked as past due, and the {$25.00} minimum payment I attempted to make on XX/XX/year> was not acknowledged. 
Impact on Credit Report and XXXX XXXX : Due to the mismanagement of my account, my credit report has been negatively affected, and I have been disqualified from the XXXX XXXX XXXX that I was eligible for in XX/XX/year>. My XXXX status is now completely erased, disregarding the responsible efforts I have made. 
Unreturned Calls and Emails : On XX/XX/year>, I returned a call from XXXX within seconds, only to be redirected to voicemail. Despite numerous attempts and marked urgent voicemails, there have been no follow-ups or responses to my emails, indicating neglect of customer communication. 
Additional Disasters : Since the previous complaint, I have been affected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This ongoing situation has exacerbated my challenges, and the lack of support from OneMain Financial is disheartening. 
Legal Infractions : Multiple infractions against the CFPB and Consumer Protection laws have been identified in my case alone. It is crucial for your organization to address these unethical actions promptly. 
Conclusion : As a loyal customer, I am disheartened by the lack of support and professionalism shown during these trying times. I demand immediate rectification of these issues, including the adjustment of my credit report, reinstatement of my XXXX XXXX, and an official apology for the inconvenience caused. 

Failure to address these concerns will leave me with no choice but to escalate this matter further through the appropriate legal channels and consumer protection agencies. 

I look forward to your prompt response and a resolution to these issues. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.