davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that TRANSWORLD SYSTEM INC properly investigated this account because there are obvious inaccuracies. 

The date of the last activity does not match. XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off The Date of the last payment missing. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported TRANSWORLD SYSTEM INC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too TRANSWORLD SYSTEM INC has also Violated XXXX. XXXX. XXXX  XXXX. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising XXXX. XXXX XXXX XXXX where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

Refinanced home with new mortgage company and funds were wire to shellpoint mortgage company on XX/XX/2017 in the amount of {$180000.00} and shellpoint reported to all three credit agencies that didn't make a payment in the month of XX/XX/2017. I called several times to correct and they are refusing to make the correction. They acknowledge funds were received and the loan was paid off but they are refusing to fix their mistake. I have the documents of the payoff that occurred in XX/XX/2017. I called several times starting in XXXX ( asking if they received wire transfer ), XXXX ( saw credit report as being late for XXXX 's payment ), XXXX and now it's caring over into the month of XXXX and can't get shellpoint to fix their mistake.
Consumer complaint received 2022-11-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate, how the account opening date is same with the last reporting date & last one is that how you were reporting the balances on collectionclosed accounts?? This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

It has come to my knowledge that my credit report has inaccuracies. Several inquiries on my current credit report are inaccurate, and need to be removed asap! 

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 2023-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (DC)

I was charged for move-out items by Sequium Asset Solutions two years after moving out and after paying the charges via a payment plan to the management company XXXX. Sequium sent a collections letter in XXXX of XXXX ( I moved out XXXX of XXXX ) saying I owed {$790.00}. After trying to verify this debt from the management company and apartment complex, I received no further information saying that I owed this amount. The apartment complex told me that they switched management companies in XXXX of XXXX and had no information on these charges. When I spoke to Sequium they would not provide any additional information except the balance owed, and used aggressive communication tactics to get me to pay the debt without verification that it was legitimate. Due to the time that passed between moving out and the bill being sent to collections, as well as it not showing up on my credit report, and without confirmation of the legitimacy of these charges, I believe this may be a scam. I see Sequium has numerous reports against it, and it is very difficult to discern as a consumer whether this debt being collected is legitimate, except for viewing my credit report where there is no collection reported.
Consumer complaint received 2020-01-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have been disputing a XXXX account on my credit report consistently for almost six months now and I haven't received any results or response from Experian or XXXX   throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/XXXX I sent a certified letter to American Express Fraud or Billing Inquiries Department, advising them that there was an account that was opened fraudulently in my name at their institution. I also asked in that SAME letter, to be absolved of the charges made on the account and also to remove the credit inquiry that was made as well. 

I also sent a separate letter with the request tp remove the inquiry from my credit report ( s ) XX/XX/XXXX I received a response from American Express stating that they had done their investigation and determined that I in fact, would be absolved from this account. However, I needed to allow 90days for the reporting to be corrected. Great! I checked my reports and the reporting for American Express was removed, however the credit inquiry still remained. 

I resent American Express, the same exact letter from XX/XX/XXXX on XX/XX/XXXX letting them know that this was my SECOND request asking them to remove this credit inquiry. 

I, then in return, received a letter from American Express dated XX/XX/XXXX stating that they needed my social security number, because they could not " locate the application with the account number or the information you provided to us ''. 

This is the ORIGINAL CREDITOR who reported this information and the unauthorized credit inquiry and all of the past subsequent correspondence with American Express, they did not need my social security information, to remove and absolve the account.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX Funding. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-21
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. (NC)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 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 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

In XXXX I was forced to file bankruptcy on a company that i own, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. The XXXX filed for a Sub XXXX XXXX bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the 3 bureaus. Only XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, should have the bankruptcy filed.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

I tried contacting this Debt Recovery Solutions company about a debt that I allegedly owe. I did not get anything in the mail regarding this debt nor was I given the opportunity to dispute it. I obtained their information from my credit report and I called them in early XX/XX/2019 to ask them to validate the debt and the person on the phone told me " You know this is you. We know that you owe this debt. '' I gave the person on the phone ( who refused to give me her full name or rep ID ) my address in order for them to send me documentation that validates the debt with a contract, dates, signature, and specific ownership of the debt. I never received anything yet the collection is still on my credit report. As of XX/XX/2019, I have noticed that the same company has added another collection, which I also have not received anything in the mail in order to dispute it.
Consumer complaint received 2020-01-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/2019 a purchase was made with XXXX. I called told them my travel location/dates. They negotiated a price with XXXX. The representative of XXXX said ok we have everything set took my card information and said well email you confirmation. XX/XX/XXXX, was the day my flight was set. XXXX refuses to honor my ticket and told me at that time that I had a restricted ticket. This was never explained at the time of purchase. A service was never rendered and I paid XXXX dollars for this flight. I called Bank of America to dispute the charge, and they denied it stating the merchant said I signed a contract and agreed to terms which is all false as restricted terms or conditions were never stated.
Consumer complaint received 2023-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America placed a. Annual fee on a credit card that had a zero balance and because of XXXX I never received the XXXX $ statement balance. It gave me a 30 day late payment now and has dramatically hurt my perfect 30 years of perfect credit. They have not fixed it yet.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KS)

XX/XX/2018 I had my " XXXX XXXX '' supposedly " frozen '' and received my confirmation letter with my PIN in case I needed to unfreeze it. 

I subsequently disputed some information on my XXXX XXXX and Experian credit that keeps reporting incorrectly. Afterwards, I received a letter from both XXXX XXXX and Experian that they " validated '' their information from " XXXX XXXX ''. By law the credit bureaus are supposed to go to the original provider and if that is " XXXX XXXX '' they can not keep reporting since it has been in a " security freeze '' I recently inquired again with XXXX XXXX about errors and they stated " there is not a " security freeze '' on your XXXX. I have proof to the contrary based on Consumer Number XXXX and Case Number XXXX ( see attachment from XXXX XXXX ). 

I would like XXXX to " quit '' reporting erroneous information to my credit reporting agencies and and to quit " falsely '' stating I did not request a " security freeze. " >
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of identity theft and I have inquiries that were unauthorized. They were all on the same date ( XX/XX/2022 ). Please remove these, as they are hurting my credit score. I have also conducted a FTC Report.
Consumer complaint received 2022-11-11
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. (GA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (FL)

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear Sir/Madam, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX XXXXXXXX XXXX as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023XXXX XXXX XXXX XXXX repossessed the vehicle in question in the State of Florida and subsequently sent it to auction for resale. According to the laws of the State of Florida, as well as the relevant statutes such as the RISA and MVISA, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned request, XXXX XXXX XXXX has failed to furnish any such evidence within the designated time frame of 14 days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and UCC-9 remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (ID)

We purchased our house in XX/XX/XXXX the Assignment of Deed of Trust was signed on XX/XX/XXXX but was not recorded until XX/XX/XXXX. The closing date on the trust that the mortgage was put into closed on XX/XX/XXXX and that makes it that the assignment was not recorded in the right time frame for the trust.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (NC)

Dear sirs, I reported these problems with Equifax on two different times. On XXXX XXXX and XXXX XXXX, XXXX. I showed that 1 ) the account is showing both closed and in collections. It also read opened when it was in collections. I showed that 2 ) information was missing things like Months reviewed, Terms Frequency, Account type, Date of last activity and Sold To. 3 ) This account was sold to a collection company yet it is not on this report. 4 ) I even questioned the balance because it seemed unrealistic for a cell phone. The only thig that was done was that the accounts wsa updated. Many of the mistakes are still on the report.I have reason to believe that this will change from my pointing these issues. 

XXXX XXXX