davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

Re : XXXX XXXX XXXX ss # XXXX ( Address listed at end of letter ) Your acct # XXXX Dear LVNV FUNDING C/O Resurgent Capital Services LP acct # XXXX XXXX I have recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect. Including evidence that a contract exists creating the amount you claim is owned.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor scrutinized the debt. 
Documentation showing 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 provided verification of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 






Page 2 ( LVNV FUNDING c/o Resurgent Capital Services acct XXXX XXXX proof of debt ) Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Michigan XXXX XXXX
Consumer complaint received 2024-05-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute the validity of a debt that your agency has placed on my credit report. The debt in question, referenced as XXXX XXXX  for {$720.00}, was previously disputed with the Consumer Financial Protection Bureau ( CFPB ). Despite this previous dispute, the inaccurate information provided by your agency persists on my credit report. 

During the previous CFPB dispute, it was highlighted that your agency 's information provided to verify the debt was inaccurate. Specifically, the final ledger provided by your agency does not match the name and lease information outlined in the original lease agreement, which I provided as evidence. 

This significant discrepancy calls into question the accuracy and legitimacy of the debt that your agency is attempting to collect. As such, I demand that the erroneous entry be removed from my credit reports immediately, per the Fair Credit Reporting Act ( FCRA ) provisions.

Furthermore, I assert my rights under consumer protection laws and demand compensation for the damages incurred due to this debt 's inaccurate reporting. These damages include but are not limited to, harm to my credit score, denial of credit opportunities, and emotional distress. 

I expect a prompt response to this dispute and request that all collection activities related to this debt cease and that this debt be removed from my credit report immediately. Failure to comply with these demands will result in further legal action to protect my rights under applicable consumer laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed an sent a letter to Transunion Credit Bureau to remove all inaccurate reporting between XX/XX/year> & XX/XX/year> an ask them to remove all derogatory remarks an inaccurate information and they are still reporting inaccurate information on my reports.
Consumer complaint received 2024-09-12
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. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-12
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. (FL)

During 2020, I have 5 months of late payments due to the XXXX virus outbreak. I reside in Florida which was a stay in place state. I have no late payments previous to XXXX nor after the lockdown. I requested that they review my account and they stated that it would be removed from my credit report. It has not after multiple attempts on my part.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (NY)

XX/XX/XXXX my account was hacked. Due to this I changed my telephone number and my passcodes on everything. Robinhood locked my account. I have emailed them numerous times. I updated my phone number with Robinhood and verify it was me. Called numerous times. Their system called you back but I never get the call. I have even went through XXXX XXXX XXXX  with no luck of resolving this situation. The hacker sold all my stock and but it into Crypto. Robinhood has stopped them from stealing any thing but I want my money out
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 
You sent
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

Below is the letter I sent to Capital One today, after two weeks of calling their customer service. They have not provided a satisfactory resolution or response.

Subject : Formal Complaint Regarding Unreasonable Restriction on Access to Funds Dear Sir/Madam, I am writing to formally complain about the recent closure of my account ( SSN XXXX ) and the subsequent unreasonable restriction on my ability to withdraw my {$410000.00} which represents substantially all my liquid net worth. This situation has caused me significant inconvenience and financial hardship, and I have had to borrow money from friends as a result. 

Over two weeks ago, I was informed that my account was closed, and I would not be able to access my funds until an investigation is conducted. Despite my repeated attempts to resolve this matter, there has been no progress, and I have been unable to withdraw my funds for over two weeks now, and an investigator has not even been assigned to my account despite my sending in all the requested information two weeks ago. This delay is not only commercially unreasonable but also has severe consequences for my financial stability. 

I find it unacceptable that the bank has taken such an extreme measure without providing a valid reason or a clear timeline for the investigation. According to the terms and conditions of my account and the relevant banking regulations, I am entitled to reasonable access to my funds. The current restriction imposed by your bank appears to be arbitrary and unjustified.

I request the following actions be taken immediately : 1. Expedite the investigation process and provide a specific timeline for its completion.

2. Allow me to withdraw my funds without further delay.

3. Provide compensation for {$7000.00} ( one months rent on my lease ) for the unreasonable delays and opportunity cost of not being able to close my lease within the original period because do the unreasonable delays in remitting proceeds from my closed account. 

If this matter is not resolved within the next day, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take legal action to protect my rights and claim compensation for damages incurred. 

Please acknowledge receipt of this complaint and provide a response outlining the steps your bank will take to address my concerns. 

I trust that your bank will act promptly and fairly to resolve this matter. I look forward to your swift response. 

Yours sincerely XXXX XXXX
Consumer complaint received 2024-05-18
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. (MA)

Re : Appeal Against Erroneous Decision on Hard Inquiry Disputes Dear Equifax Customer Service, I am writing to formally appeal the recent decision regarding my dispute about four unauthorized hard inquiries ( XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX ) on my credit report. The refusal to remove these inquiries, based on the assertion that they are a factual finding, is incorrect and unjust. 

Firstly, I want to highlight that both XXXX and XXXX have properly investigated and subsequently removed these unauthorized hard inquiries from my credit profile. This clearly indicates that these inquiries were indeed unauthorized and should not be present on my credit report. 

Furthermore, I spoke with an Equifax agent on XX/XX/2024 who assured me that these inquiries would be removed if other credit bureaus also removed them and once I submitted the required documentation. I have complied fully by providing all necessary documents, yet these inquiries remain on my Equifax report.The previous complaint number that was unjustly denied by your company as transmitted through CFPB is XXXX. We are happy in the role that CFPB is playing and will consider federal law violations if the right actions are not followed in light of the illegal refusal of Equifax to follow the rule of consumer laws in this matter. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy and integrity of the information they report. Specifically, under XXXX XXXX XXXX XXXX, credit reporting agencies are required to conduct a reasonable investigation into any disputes raised by consumers. Additionally, per XXXX XXXX XXXX XXXX ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. XXXX did follow the rule of law, XXXX did but Equifax is flirting with the idea of breaking consumer laws with applicable penalties. 

By refusing to remove these unauthorized inquiries despite the evidence provided and the actions taken by other credit bureaus, Equifax is failing to adhere to these FCRA requirements. I request a detailed explanation of the methods of investigation used in this case. It is essential to understand how Equifax arrived at the decision to maintain these inaccurate records on my credit profile. 

Consumer laws clearly states that ALL consumers are entitled to this information. 

I urge you to reassess this dispute urgently and rectify these errors by removing the unauthorized hard inquiries from my credit report. Failure to comply with FCRA regulations not only continues to damage my credit profile but also constitutes a violation of federal law. 

I look forward to a prompt resolution of this matter and expect the necessary corrections to be made without further delay. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$360.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. 

As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and respond to disputes regarding the accuracy of information on credit reports. Your persistent failure to address these issues constitutes a blatant violation of my rights under the FCRA. I demand that you immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXX  - XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I disputed an account that I have with XXXX XXXX. I exercised my rights with Experian credit bureaus electronic dispute option. Experian returned a completed result which was a blatant deception to me the consumer. Experian stated XXXX replied on XX/XX/2019 showing account owe XXXX. Well I spoke with XXXX and they informed me that that information was never rendered, this account has been marked closed 30 days prior and that the dispute dept never received a request for updated account information. Experian continues to deceive the Americans community with fake dispute outcomes. Experian isnt responding to my request at all. Just an automated completed of investigation email. Experian needs to be held accountable for this blatant deception.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-08-07
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. (TX)

XXXX XXXX account number XXXX in the amount of {$3700.00}. I have no knowledge of this account please remove.