davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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: Thaxton Investment Corporation (TX)

Dear Covington Credit, I am ONCE AGAIN disputing the accuracy of the accounts you are reporting to the credit reporting agencies. The information provided is inconsistent, missing key details, and contains inaccurate payment history. 

In your response to my previous complaint, you stated that the information was verified. I request that you explain how this verification was conducted and provide supporting documentationmere hearsay will not suffice. You also mentioned the business operates under the name " Structured Settlement, '' which, upon investigation, also has no valid presence. 

To avoid further legal action, I demand the immediate removal of these accounts from my credit report. It is unacceptable that I must track down a company that lacks credibility. I am keeping a clear paper trail of our communication. My credit report is attached which is highlighted and I've even included text because there seems to be some incompetence as to why the account is inaccurate. I hope this helps.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has placed two accounts on my credit file that are fraudulent. These accounts are Acct # XXXX and Acct # XXXX. Both accounts are fraudulent. When asking for verification of debt, these accounts are attached to an address Ive never lived at. I have filed an FTC Fraud report explaining this. The report number is XXXX. 

These accounts also show a different opening date and different credit limit amounts amongst the three credit reporting agencies. I have requested the removal of these accounts based on FCRA 15 USC 1681 1 ( 5 ) ( a ). Failure to remove these bogus accounts will force me to seek punitive damages through litigation.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NY)

Acct number updated from XXXX to XXXX by Wells Fargo Bank ( XX/XX/XXXX ) without consent. I discovered recently. I requested asked for a voided check just for reassurance of routing and checking number and the entire account were changed not sure why. I received copies of statements by mail XX/XX/XXXX. I realized XX/XX/XXXX has acct number ending in XXXX on the statement. How is that possible? That report should have reflected acct ending in XXXX. I will not take responsibility of understanding how all this happened or who is involved. I just know that money is missing and there are acts open without my consent. that report when it was updated XXXX to XXXX. 
Acct XXXX. XXXX, XXXX. My job does reflect some update in acct checking.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

Kindly remove these addresses and update it with my current address there should be XXXX ADDRESS reporting on the file. It is alarming as there are different addresses reporting differently. Kindly remove this ASAP Inaccurate Name : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX - XXXXRe : Cease and Desist Notification Dear Transworld Systems Inc This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law.

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XXXX XXXX i deposited a XXXX refund check from the TXXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$11000.00}. I was able to access some of the funds until Citibank restricted my account without reason, i have been going back and forth with them since XX/XX/year> and we are now in XXXX and I have still not been able to access my funds or log into my online account, they dont even find me in the system when I call yet my funds are in the account and i continue to receive monthly statements, i need Citibank to release the {$9800.00} immediately. I would like to close that account and have my remaining balance withdrawn via check to my mailing address on file. I no longer wish to do business with this bank. I am a XXXX XXXX who counts on these tuition refund checks and can not believe the way Citibank has treated me as a customer and kept my funds.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following information, which I have listed as the XXXX items in addition to a copy of My Identity Theft report, Consumer Financial Protection Bureau report ( s ), and evidence to improve my situation, I request that these items be removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Each time the app or the on-line account information displays it states what the balance is. After seeing account is negative, I then make seposit to show positive. I immediately deposit, usually before the XXXX XXXX XXXX  time frame. The bank sends a notice that " You may have a overdraft fee for this account. '' The system charges me and the account is in the positive and they explain it away by stating it was from the day before. If I am shown an amount and I deposit that amount, how am I still being charged the fees for the associated items? They also see where the deposits are made and take from the deposit, fees, which then keep me overdrawn. I have contacted the bank on numerous occasions and their response is " you've reached the allowable COURTESY reversal of fees. My concern is that public reporting of balances is done in a way to keep you unaware of actual balances. The " pending '' policy should not be applicable when the funds are tranferred from one internal account to the other. This is unfair business practices and an intentional way to " milk '' my accounts.
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (GA)

Back in 2021 I resided at XXXX XXXX an apartment community in XXXX, Ga. In XXXX the management company offered me a renewal, undecided I did not submit and return the offer. After a while the renewal was revoked due to falling behind on rent. The company filed for eviction in XXXX. 

Graciously the county I resided in approved me for emergency rental assistance funds and my rent was paid from XXXX to XXXX. I submitted a notice to move out to the leasing office. As I was preparing to move, I was served another dispossessory notice. How when my rent was paid for months in advance? XXXX XXXX had filed a hold over to gain access of the apartment. Why would they do that if I submitted a notice with intention on vacating? 

I requested a copy of my ledger that was a XXXX balance. Upon move out I packed my things and had them aligned on the living room wall. When I returned to the apartment the locks had been changed and all my belongings had been trashed out. Clothes, shoes, electronics, personal items. I found my plants in the garbage. 

The management company offered to return my security deposit in exchange for my items which was over {$2000.00} worth of items while my deposit was {$1000.00}. 

Fast forwarding they are still reaching out to me via a third party to collect debt after violating my lease agreement by entering the apartment unit before I moved out.
Consumer complaint received 2024-10-11
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

Under the XXXX Administration back in XX/XX/year>, my student loan was forgiven. All my loans were consolidated under one account and Navient is still showing on my credit report. I would like the whole account removed from my credit report if I owe XXXX.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MA)

VALIDATION AND CEASE AND DECEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA Account # : XXXX To Whom It May Concern I received a debt collection letter from you. Are you sure you have the right person? 
I demand to receive a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. 
I dispute this. 
DO NOT PASS THIS ON TO ANOTHER COLLECTOR IF YOU DO I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute owing this debt. Thank you for your immediate cooperation. 
XXXX XXXX
Consumer complaint received 2024-09-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX  account # XXXX {$4300.00} XXXX. XXXX XXXX account # XXXX {$1700.00} XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX account # XXXX {$3700.00} XXXX. XXXX XXXX XXXX account # XXXX {$160.00} XXXX. XXXX, XXXX XXXX XXXX account # XXXX {$700.00} Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX, I sent payments in full via Registered Mail to CITI CARDS ' indenture trustee per their indenture agreement and other filings with the XXXX  for Account ending in XXXX and Account ending in XXXX. A Payment Instrument UCC 3-104 NEGOTIABLE INSTRUMENT for each of these accounts along with a PAYMENT ORDER/Instruction UCC 4A-103 were included with a cover letter. The indenture trustee received this registered mail on XX/XX/XXXX. To date they have refused to except my Instrument as payment with no lawful justification. I sent payments in full again for these same accounts again via Registered Mail, this time to CITIGROUP 'S BILLING INQUIRIES mailing address on XX/XX/XXXX. They were received on XX/XX/XXXX. A couple weeks ago I contacted them informing them to place the accounts in Billing Error Notice pursuant to 15 USC 1666 while they were taking their time to resolve these matters. The case was referred to the Executive Response Unit in which I was to receive a call within 15 days. They have not called. According to UCC 3-603 and 604 TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. According to the Law that governs consumer transactions this debt is Discharged. UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT states that the " Person entitled to enforce '' an instrument means ( i ) the holder of the instrument. I am the Holder of the Instrument, therefore I am entitled to Enforce the Instrument. CITI is in DISHONOR according to UCC 3-503. To date, CITI CARDS has violated their fiduciary responsibilities as servicers of my Credit Line. CITI knows that the payments provided are Notes used as financial instruments which I am entitled to collect based on the indenture agreement CITIGROUP filed with the SEC and the Trust Indenture Act of 1939. 
I would prefer not to include attachments with this complaint, but am happy to provide copies and register mail # s to CITI individual working on my behalf to resolve these matters.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.