davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

Subject : Request for Account Deletion or Update on Credit Report ACCOUNTING Dear I am writing to address an urgent matter concerning my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate and truthful.

15 U.S. Code 1681e ( b ) : This section requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and completeness of the information in consumer reports. It stipulates that these agencies must have procedures in place to verify the accuracy of the information they report. 
Under the Fair Credit Reporting Act ( FCRA ), the requirement for accuracy and completeness in credit reporting is outlined primarily in 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' in the information they include in consumer reports. 

It has come to my attention that my account with Truist Bank, which has been sold to XXXX XXXX XXXX XXXX, is not accurately represented on my credit report. Specifically, the account should be updated to reflect that it was sold for less, paid for less, than the full amount owed. 

I kindly request that you take the necessary steps to either : Delete the account from my credit report, as it is no longer under Truist Bank 's purview, or Update the account status to reflect that it was sold for less paid for less than the full amount, ensuring that all information reported is accurate. 
In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. 

A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day ingestion. 
Please provide me with written confirmation once these changes have been made. If you need any additional information or documentation to process this request, do not hesitate to contact me at the phone number or email address provided above. 




Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: North American Credit Services (FL)

I do not know the company nor have I consented to any of their communication. I also do not know how they have my personal information. 

The company is violating my HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.
Consumer complaint received 2023-11-21
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. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-08-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Appraisal did not note any of the huge existing issues in the house that a professional in this business would definitely have noticed.

Seller lied even on document advertising false repairs / renovations/ upgrades that were inaccurate like granite countertops when actually is synthetic countertop and so many items that were false/ Fraud claims to entice buyers.

No one involved help give me accurate truthful answers for my very first home buying experience. 
No Help given /Not from The loan officer My Realtor Sellers Sellers Realtor Appraiser Closing Staff Title Company or even City and County resources after I purchased the home. Seemed they were all collaborating on misrepresentation of home value and tricks used to appear like home fully renovated but huge costly home renovations Not done but they all stated were fully renovated and upgraded. I had no idea that I purchased a money pit and spent every penny I had on it.
Consumer complaint received 2023-11-21
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. (TN)

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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (CT)

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

1.rent recovery solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX amount {$86.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX amount {$730.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX amount {$100.00}
Consumer complaint received 2024-08-15
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: Kikoff Inc. (GA)

The Fair Credit Reporting Act ( FCRA ), also known as 15 U.S.C. 1681 et seq., is a federal law that regulates how credit reporting agencies ( CRAs ) handle consumer credit report records. The FCRA 's goal is to protect the privacy and integrity of personal information, and to ensure that CRAs are fair, accurate, and confidential. The FCRA also gives consumers the right to access and correct any inaccuracies in their credit reports, and provides legal remedies if their rights are violated.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

There are 3 incorrect and 100 % inaccurate collections from XXXX XXXX XXXX reported ; {$530.00}, {$530.00}, {$3000.00}, on my Experian Report that need to be removed. I am attaching FTC complaint documents against XXXX 
I have tried to handle this through the Experian site. I am currently talking to local attorneys and sending another certified letter to both XXXX  and XXXX 
I am hoping Experian will do the right thing providing this new information and complaint. If not I will include all the contacts I have made to Experian relating to XXXX to the attorney and let them make the decision on FCRA and/or other violations.. 
I am happy to provide any further information necessary.
Consumer complaint received 2024-08-15
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: Possible Financial Inc (SC)

Dear POSSIBLEFINA, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report. This violation contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina state laws governing credit reporting and identity theft.

It has come to my attention that POSSIBLEFINA has reported information to my credit report without my explicit consent. Federal law, as outlined in the FCRA, requires that any credit reporting activities must be conducted with the consumers explicit permission as per Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law mandates similar protections. South Carolina Code Section 37-20-80 requires consent from the consumer for credit reporting. Moreover, South Carolina Code Section 16-13-510 addresses identity theft, emphasizing the severity of unauthorized access and misuse of personal information.

I assert unequivocally that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This lack of authorization constitutes a violation of my rights and has the potential to damage my creditworthiness, disregarding both federal and South Carolina state laws. 

I demand that POSSIBLEFINA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and South Carolina state laws including Sections 37-20-80 and 16-13-510. Failure to address this issue within the next 30 days will be considered willful noncompliance and could result in legal action and penalties under applicable laws. 

Please understand that obtaining consent is not optional but a legal requirement under the FCRA and South Carolina state regulations. This is a formal demand for compliance to ensure that my consumer rights are protected. 

I expect your prompt attention to this matter and anticipate a swift resolution to rectify these violations.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

My name is XXXX XXXX from the family of XXXX. I am a living man, coming with clean hands to state these herein facts without any influence from any third party or agency. He who comes into equity must come with clean hands.-Maxim of equity. XXXX scribing this for the benefit of the beneficiary of the created trust ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ( Equity wiLl not suffer a wrong to be without a remedy.-Maxim of Equity ). Now knowing where I stand Im invoking such is law It is ignorance of the law when we do not know our own rights.XXXX XXXXXXXX XXXX XXXXXXXX. Not once do I recall the bank who claims are the creditor ever having consent from the XXXX to even have dealings with me. How could I know if the said arrangement was INJURIOUS to the XXXX? The companies ( EXPERIAN XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ) have taken the liberty of reporting wrongs & requesting payment for something thats been discharged per the INTERNAL REVENUE SERVICE ( Equity acts in personam-Maxim of Equity ). See attachment supplied so with that being said justice has to be served XXXX follows the law.- XXXX of XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NV)

Creditor reports account was charged off but never sent a 1099-C cancellation of debt form. This account is inaccurate and needs to be removed.

I do not recognize how this account is reporting on my credit report. I don't the account number, I don't recognize the account status and I don't recognize the account high balance nor do i recognize the late payments associated with it everything reported does not meet the FCRA.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/15 while reviewing my credit report I Noticed 3 accounts of Alleged debt by LVNV Funding LLC .I have no Knowledge of this and have never done business with this company.Ihave previous requested that LVNV show validation of these alleged debt between us.

The 5 standards set by 15 USC 1692 ( a ) and1692 ( b ) have not been meet .I am demanding u cease from all form communication with me through any and all mediums persuant to15 USC 16929 ( c )
Consumer complaint received 2024-08-14
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: Source Receivables Management LLC (GA)

On XX/XX/2024, I sent a letter to Source Receivables Management disputing the validity of a debt that has been attributed to me. This debt, which is linked to an account with XXXX under the name XXXX, does not belong to me, and I have never authorized any transactions related to this account. 

In my correspondence, I requested the following actions : Verification of Debt : I requested that Source Receivables Management provide documentation verifying the debt, including the original signed contract or agreement. Despite their claim of updating the account as disputed, the debt remains inaccurately attributed to me. 
Dispute and Removal : I demanded that the inaccurate information be removed from my credit report if sufficient evidence could not be provided to substantiate the debt as mine. The continued reporting of this incorrect information is causing significant harm to my credit score and financial standing.

Breakdown of Charges : I asked for a detailed breakdown and supporting documentation for each charge associated with the account, including service charges, late fees, XXXX charges, equipment charges, and collection fees. Without proper documentation, these charges can not be considered valid.

Misreporting and Legal Obligations : I requested confirmation that the dispute status of this account has been communicated to all three major credit bureaus ( XXXX, XXXX, and XXXX ). I also requested copies of the communications sent to the credit bureaus confirming the dispute status. 
Despite my clear requests, I have not received adequate responses or the necessary documentation from Source Receivables Management to validate this debt. This lack of response and the continued reporting of inaccurate information is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NV)

I let them know I owe no debt to them, I was unaware of any debt pertaining or owed to them and also sent cease and desist letter citing usc 1692c ( c ) and asked them to remove their company from my credit report and also to refrain from contacting me.
Consumer complaint received 2024-07-04
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. (FL)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I opened the savings account in Wells Fargo for the promotion bonus of {$520.00} if I keep over {$25000.00} for 90 days. I kept the money of {$25000.00} for 90 days and after met all the requirement, I wanted to ACH transfer to my another bank account. However, the bank put the restriction on my account that I can only transfer out {$6000.00} a month. 
so in order to transfer all my money out, it will take 5 month. This is a scam. 

By putting this restriction, they actually hold my money for 8 month to give me the promotion bonus of {$520.00}, not 3 month ( 90 days ). If I knew that at the beginning, I would not opened this account. 

I called the customer service to complain about this and asked to remove that restriction, But they rejected my request. They put the transfer restriction for only this type of account. This is not right.
Consumer complaint received 2024-08-14
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: Resurgent Capital Services L.P. (MI)

I looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And 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. These accounts [ ( XXXX XXXX XXXX XXXX & [ XXXX XXXX XXXX XXXX, & XXXX XXXX  XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (GA)

I am filing a formal complaint regarding the handling of Account # XXXX, which is currently being reported as a Profit and Loss Write-Off on my credit report. 

Summary of XXXX : Request for XXXX of XXXX : I have previously requested proof of the alleged debt associated with this account. Despite my requests, I have not received any documentation that validates the debt. 

Request for XXXX Form : Since this debt has been reported as a Profit and Loss Write-Off, I requested a copy of the XXXX form that should have been issued as part of the debt cancellation process. To date, I have not received this form. 

Legal Requirement for Deletion : Without the necessary proof of debt and the XXXX form, the continued reporting of this account as a Profit and Loss Write-Off violates federal law. The Fair Credit Reporting Act ( FCRA ) requires that inaccurate or unverifiable information be promptly deleted from consumer credit reports. 

Request for XXXX : Investigate the failure to provide the requested documentation. 
Ensure that either the required proof of debt and the XXXX form are provided or the negative tradeline is deleted from my credit report. 
Enforce compliance with federal law by imposing appropriate penalties. 
Attached Documentation : I have attached the following documentation to support my complaint : Copies of my previous requests for proof of debt and the XXXX form. 
A record of the account, including proof of delivery via certified mail with tracking. 
A notarized copy of the current dispute of debt letter. 
This ongoing issue indicates a failure to comply with federal law, specifically XXXX XXXX XXXX XXXX, which outlines the responsibilities of furnishers of information to consumer reporting agencies.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (CA)

I updated my personal information on Credit Karma on XX/XX/XXXX or XX/XX/year>. I added my middle name and my updated address to my personal profile. 

On XX/XX/year> I received a notification from XXXX that my personal information had been exposed on the dark web. The exposed information included my middle name, my street address, and my email address. 

I believe that Credit Karma did not protect my information and led to it being exposed on the dark web.