davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Receivables Management Corporation (SC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-16
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. (GA)

I am writing to formally complain about a persistent issue related to inaccurate information on my credit report. I have made several attempts to rectify this matter, but it has not been resolved satisfactorily. The issue in question pertains to a late open account that has been erroneously reported on my credit report. This account, as reported, is inaccurate and has been negatively impacting my credit score. I have taken the following steps to address this issue : Subsequently, I contacted your bureau to dispute the account 's accuracy and request its removal or correction. I provided all the necessary documentation to support my dispute. Despite my initial dispute, the inaccurate account remains on my credit report, and it continues to have a detrimental effect on my creditworthiness. I made additional attempts to contact your bureau to follow up on my dispute, but the issue remains unresolved. I understand the importance of accurate credit reporting and its impact on an individual 's financial well-being. The inaccurate reporting of this late open account is unjust and damaging to my credit profile, making it challenging for me to obtain credit and financial opportunities that I am entitled to. I kindly request that you promptly investigate and correct this matter by removing the inaccurate late open account from my credit report. It is crucial that my credit report accurately reflects my financial history and responsibility. Please provide a written response within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). In your response, kindly inform me of the actions you have taken to address this issue, as well as any changes made to my credit report. If this matter is not resolved to my satisfaction within 30 days, I may be compelled to escalate my complaint to the appropriate regulatory authorities and seek legal remedies. I have enclosed copies of the relevant documents, including my credit report with the inaccurate information highlighted, as well as proof of previous disputes and communications. This late open account should be corrected by the credit bureaus immediately : XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-07-10
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXXXXXX
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: 1st Franklin Financial Corporation (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please understand that the details in my credit report are inaccurate. It includes addresses, that are not associated with me. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.
Consumer complaint received 2019-01-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

RE : Wells Fargo recent response with incorrect information documentation ( I did not state anything regarding my Health! ) stating that they were not seeking foreclosure on my mortgage, yet I have 2 letter 's threatening foreclosure in my hand. I also have my bank statements that do not coincide with their dates and payments or the over payments I've made to my account.

they sent to me an account activity statement that has half of the " supposed '' activity info cut-off. 
the correspondence does not mention the reversed payment they executed? 

I feel I have not been given the advice, or assistance they claim. 
I have the documentation! on the offer of utilizing the " Harp '' mortgage modification I was told I didn't qualify for and then told more recently I did. The offer was to restart my mortg. 
beginning again at a new 30 yr with lower interest rate and to pay fee 's over {$4000.00} in order to execute this offer.

I've spoken with three representative over the past year going into this year and a I have a recorded call with an agent stating that in fact i was not late but ahead 3 month 's and in the recent correspondence they deny this! 
I also have bank statement where my payments are paid and the dates do not coincide with theirs. 
spoke with : XXXX XXXX XXXX - Agent call recorded made return call Ms XXXX XXXX Ms. XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IA)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never XXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have sent several letters about the alleged auto loan from XXXX. They have been ignoring me for months. I asked them to prove and provide detail information that they gave me a auto loan. This was in fact a credit sale transaction, they have closed the account out and written it off as a charge off. Somehow they are still trying to collect from me. This information is NOT accurate and is causing me harm on my credit report. Only true and factual information should be reported on someone's credit report. I am not able to use my credit to purchase another auto due to this reporting on my credit file. 

Thanks
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

Several transactions were made by phone transfer from my Wells Fargo credit card to my checking account, fraudulently. Because the money went to my checking account and was subsequently withdrawn fraudulently, fees and interest were not assumed by the bank. I paid the credit card, for fear of being reported to credit agencies, and made the appropriate fraud reports in a timely manner. Multiple calls and letters, including a call with XXXX XXXX on the line, have failed to result in crediting my account. Several calls result in departments transferring my call because its not the right department at least 7 times per call. I have spent many hours on the phone with Wells Fargo, without success.
Consumer complaint received 2024-07-10
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: TRANSWORLD SYSTEMS INC (TX)

I received a voice message on my business phone from Transworld Systems , Inc. I called back on XXXX XXXX @ XXXX XXXX, and spoke to a supervisor and informed her that I had not received a bill from XXXX XXXX XXXX. Within the next 2 days, I received the letter from XXXX and TSI. When I spoke to the TSI representative, she gave me an email. I sent a letter and told them that XXXX did not give me the 30 days to set up a payment plan, and their letter is dated XXXX XX/XX/year>, and TSI 's letter dated XXXX XX/XX/year>. On XXXX XX/XX/year>, I called XXXX and asked to speak to a supervisor and I was told she was not avialble. I again have attempted to call, but due to the hurricane storm, none of the XXXX lines are connecting.XXXX XXXX failed to give me 30 days to call and set up a payment plan for the balance due. Rather, within 3 days they sent the debt to collections. Let it be known that this is the 2nd complaint against this company. Just like all of their previous customers before me, and the reason why they are always being sued is that they fail to follow federal guidelines. Please let them know that I am going to file a complaint with the State of Texas Attorney 's General as the have not learned thier lesson with attempting to ruin people 's credit.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXX has violated my rights. 

1

5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-27
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)

This is my numerous endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

The purchase amount was {$610.00}, which was made with the merchant XXXX. When we arrived to said XXXX it was noticeably filthy with there being several cockroaches, stains, and dust all around the house, we attempted to get this resolved swiftly through the XXXX application seeing as how when we arrived to XXXX it was already XXXX XXXX. We gave support the proof that was and reasoning for the refund that was requested of us while also attempting to keep in touch with them and ask for frequent updates. We finally received a response from the support team at XXXX XXXX at night by which point we were already forced to purchase a replacement XXXX so that we could rest from a long day 's travel. We were deemed to not be eligible for a refund with the only reasoning being that there was no violation made. On XX/XX/year> I contacted XXXX support XXXX last time to attempt and receive a refund where they told me that I would be eligible for a refund if we arrived at the listing and it was messy or had pests which would make the listing in violation of their policy, but upon further inquire we were told that the evidence we provided wasnt sufficient enough to claim the home was messy. Whenever asking for the refund initially, XXXX support never informed us that our information was insufficient and if that was communicated with us we wouldve taken more photos. In response to this I contacted Capital One to file a dispute.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FactorTrust, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX : XXXX SS # XXXX Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/2021 Balance {$0.00} This information is inaccurate and Must be deleted at once. 



Request for Action : - **Immediate Investigation Deletion : I request that you conduct a thorough investigation into this matter and correct the inaccurate information on my credit report.

- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results.

- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information.

Legal References : - **12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors.

- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports.

Please address this matter promptly. Failure to correct the inaccurate information may result in further action to enforce my rights under the FCRA and other applicable laws.
Consumer complaint received 2023-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I wrote to XXXX, XXXX, and Transunion requesting an investigation of the following inaccurate accounts and Hard inquiries reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score while I am currently in the process of purchasing a home. This is very damaging to my credit score as a consumer.

I the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report 15 U.S.Code 1681a ( 2 ) ( A ) ( i ). I the consumer have the right to privacy pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). These credit agencies have violated my right to privacy by furnishing private information about me without any lawful author my written consent. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below The Following Accounts and Inquiries are inaccurate. 

XXXX accounts XXXX  XXXX XXXX XXXX This is Not my Account XXXXXXXX XXXX XXXX-This is Not my Account XXXX XXXX XXXX- This is Not my account Transunion-8 Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my Account XXXX XXXX Account paid XXXX XXXX and XXXX Account Info/ XXXX XXXX XXXX XXXX XXXXXXXX XXXX-This is Not my Account XXXX XXXX XXXX This isNot my Account XXXX XXXX-Account paid IN FULL Account # XXXX XXXX- XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto is reporting several Late payments which is hurting my credit score. These late payments are inaccurate and false after comparing my credit report between XXXX, XXXX and Transunion. Some months are showing on time and others not on time which is not accurate. 
15 U.S. Code 1666b - Timing of 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. I would like all accounts and Hard Inquiries mentioned deleted from my credit file Immediately as this is damaging to my credit score and not aligning with my rights as a consumer. 

Thank you XXXX XXXX
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I am writing to formally dispute the adverse information reported to my credit file by LVNV Funding. It is clear to me and anyone who reviews this that the debt they are reporting is not my obligation and never has been. Despite this, LVNV Funding continues to refuse to remove the incorrect information. 

I have contacted LVNV Funding multiple times, pleading for them to resolve this issue. I've also requested essential documents, such as personal agreements or contracts, that would substantiate their claim. Unfortunately, they have failed to provide any such documentation. 

Given their repeated refusals to address my concerns and provide the necessary information, I am asking for your assistance in resolving this matter. I would greatly appreciate your help in getting this erroneous information removed from my credit file.
Consumer complaint received 2024-07-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Lamont, Hanley & Associates, Inc. (CA)

On XX/XX/XXXX there was an attempted service in XXXX Michigan by XXXX XXXX on behalf of a lawsuit filed in Michigan XXXX XXXX XXXX XXXX by Lamont Hanley and Associates. This violates FDCPA as the contract was not signed in Michigan and I am not or have not been a Michigan resident. So this wrong venue and wrong state for any sort of lawsuit
Consumer complaint received 2023-09-16
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. (PA)

Thank you for your response dated XX/XX/2023 regarding my dispute under the Fair Credit Reporting Act ( FCRA ). I appreciate your attention to this matter. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days I understand that you allegedly have processed my request and have forwarded a copy of the Investigation Results through US mail ( which I still have not received, ). I anticipate receiving those results in approximately 7 business days. 

However, I would like to address the issue of the delay in responding to my initial dispute. As stated in my previous communication, the FCRA Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a consumer 's dispute. It is evident that the response I received from TransUnion [ Credit Reporting Agency ] was well beyond the mandated 30-day timeframe. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days While I acknowledge that non-monetary relief has been provided by allegedly verifying the reported information, I must emphasize that the delay in responding to my dispute still constitutes a violation of my rights under the FCRA. This violation has caused me damages and harm, as outlined in my previous letter. 

Therefore, I maintain my demand for monetary relief as compensation for the violations committed by TransUnion [ Credit Reporting Agency ]. I believe it is fair and reasonable to seek [ {$27000.00} ] as monetary relief for the damages I have suffered. 

I demand that you provide appropriate monetary relief in accordance with the FCRA. I expect a prompt response to this letter within [ 10 business days ] from the date of receipt. Failure to provide a satisfactory response or to offer appropriate monetary relief may result in further legal action to protect my rights under the FCRA.

Please be aware that I am keeping a record of all correspondence and actions related to this matter. I am prepared to take necessary legal steps to ensure that my rights are upheld and that appropriate remedies are provided. 

Delete : XXXX XXXX XXXX because it was not validated within 30 days