davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I sent them a message from my XXXX XXXX XXXX account letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. 
closed my account and I'm now on a payment plan to pay off my balance. 
I haven't missed any payment. Before the pandemic I always made my payments on time as well. My account number is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because XXXXXXXX XXXX XXXXXXXX derogatory information is affecting my credit score. 
Please call me if you have any questions XXXX. 
Thank you XXXX XXXX
Consumer complaint received 2022-01-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I repeatedly reached out to all this bureau about inaccurate reporting information on my credit report. They did not resolve the issues. 

Experian replied to my disputes via email, which I did not give them permission to do as I sent all my disputes via mail. They only emailed back saying the disputing accounts were verified as accurate. I then proceeded to mail them back asking for validation or method of validation, they ignored my request for more than 30 days. 

XXXX has not notified me of any investigations that I had open, nor did they verify or send me method of verification of any of the accounts I disputed. It has been more than XXXX says since I have started disputing with XXXX Under the FCRA cra 's are required by law to report accurate and correct information. all three bureaus denied me of that right when they ignored my request for accurate and correctly reporting information on my credit report. under section 15 U.S. Code 1681d
Consumer complaint received 2022-01-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumers report. The following reportings are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANKMOBILE TECHNOLOGIES, INC (GA)

My XXXX account which is linked to customer bank was closed with my direct deposit and saving totaling {$21000.00} in XXXX. I contacted the XXXX XXXX XXXX, and they were supposed to do an investigation and then send an email of the results. I have not received any email and i even called them to check again XXXX  months later and they said they are still investigating.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

During COVID lock down we took advantage of Mr Cooper Mortgage forebarance program to delay payments for 9 months. They told us no late payments would be reported to the credit company during this time. Also during this time they sold our mortgage loan to XXXX XXXX. We need tried to refinance our home but discovered Mr Cooper did report us as having late payments during the forebarence period. This has hurt our credit and prevented us from re-financing until we can get Mr Cooper to correct this mistake. We called Mr Cooper twice to advise them of the error and they told us they would. However months later and nothing has changed. The loan was on our at XXXX XXXX XXXX XXXX SC XXXX loan # ending in XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have an ex employer that is causing problems with my credit. None of the information given by him to anyone is authorized. It is happening with all three credit companies. I tried to complain to CFPB but the complaint was deleted due to addresses not included. My so called report has over 20 uncorrected mistakes. These mistakes take one second to make and months to correct. They have these rules that we as citizens are supposed to live by. They are actually trying to control how we live day to day. My score goes down with every move that I make at banks and other lending institutions. The complaint is that they are not supposed to lower my score when I am looking for a mortgage or re finance or auto loans if the inquiries are within 45 days of each other. Soft credit pulls are not supposed to effect credit, but they do. My score went from over XXXX to XXXX over a period of 3 months. I want all errors corrected an to eliminate these predatory XXXX from my life. I DO NOT WANT A SCORE OR A PHONEY REPORT.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I have been going through my credit report and found that lvnv funding llc has been reporting incorrect data to the credit bureaus as I disputed with the credit bureaus only the experian was removed the other two came back as verified, there is multiple things incorrect in the reporting of this debt including that lvnv funding reported themselves as the original creditor. This needs to be removed from my credit report I will be seeking litigation as it is my right to have a fully correct credit report as stated in the FCRA.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (MI)

On or about XX/XX/XXXX, Velocity Investments , LLC was sold this loan debt from XXXX XXXX XXXX XXXX Initially the debt was sent to XXXX XXXX whom I tried o work with and resolve by arrangements. I notified XXXX of this and subsequently ( between XXXX and XXXX ) received a some type of notification that Velocity Investments was involved. 

I sent a dispute based on a partial payment issued to the XXXX XXXX XXXX in XXXX, the original debtors. Upon notifying of this, I had not heard anything from Velocity Investments as to remit proof of the partial payment or anything until appr. XXXX of XXXX, a letter from an attorneys office, XXXX, XXXX XXXX XXXX. I sent the dispute based on the aforementioned information. Again no request for proof of payment was requested from me. 

In XXXX of XXXX, I received a notice of a court filing. I reached out to the attorneys office working for Velocity Investments, assignee of XXXX  XXXX XXXX talked to an attorney about the issues and was told to submit a " Circumstance & Request '' which I did by mail the same day. I responded to the court summons and a court date is set for XXXX XXXX, XXXX. I received in the mail on XX/XX/XXXX, a notice from another attorney, XXXX XXXX XXXX issued by Velocity Investments, XXXX XXXX and the assignee XXXX XXXX a debt collection letter for the same debt we are currently scheduled in court for. I believe this is in direct violation of Fair Debt Collection Practices Act and speaks volumes for what has been transpiring as it has been sought to resolve this debt.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX HAS AGREED TO RECITIFY THE LATE PAYMENT ON MY CREDIT. XXXX IS THE ONLY BUREAU TO REPORT SUCH UPDATED INFORMATION. TRANSUNION AND XXXX ARE STILL REPORTING THE LATE PAYMENT. THIS NEEDS TO BE CORRECTED ASAP. I HAVE ATTACHED THE LETTER FROM XXXX.
Consumer complaint received 2023-03-23
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. (MD)

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 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  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc. (CO)

The auto company I financed through sold me a lemon vehicle then illegally repossessed it because I wanted them to fix it. I was not behind on the loan. They lost the contract and admitted they forged my signature on a new one and sold the debt to this agency. I tried to work with the collection agency and work something out, they then decided to serve me paperwork and are continuing to add more money to the amount owed everytime I dispute the collection. The collection doesn't belong to me. It's fraudulent and the collection agency is using predatory practices and dinging my credit as retaliation anytime I try to justify the situation.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

I sent a certified letter to Amex on XX/XX/XXXX tracking number XXXX XXXX XXXX XXXX XXXX.Requesting that they correct my credit report. 
Reference account number # XXXX .My credit report is reflecting a 30 day late payment for the month of XX/XX/XXXX. I have never made a late payment on this account. My account had a zero balance and no payment was due. During this timeframe, an unauthorized charge posted to my account without my knowledge. ( for a gym membership that had been closed ). I did not receive any alert or online statement informing me of this matter nor did AMEX take any action to contact me to inform me that a payment was due. I was notified AFTER the account was over 30 days late, I was not provided with any opportunity to ensure that my account was protected. I ended up paying the fee even though I did not owe it, which is unjust. Under the XXXX this fee should have been removed, which it was not. My account was marked 30 days late which I believe was an oversight on their part. I have always maintained an excellent payment history with AMEX and all my creditors for years. This unforeseeable incident has caused me to be unjustly denied a home loan. I am respectfully requesting that AMEX correct my credit report to remove this late payment so that I do not continue to incur any further adverse action. AMEX has not responded to my letter thus I am requesting your assistance to resolve this matter.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX, consumer and natural person am writing to the Consumer Financial Protection Bureau on my behalf. This is not a third party or agency filing this complaint. 

The company, TransUnion, are in violation of Federal Law 15 USC 1681 ( b ) -Permissible Purpose Of Consumer Credit Reports which clearly states : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the company, TransUnion to furnish any late payments on my credit report. 
These items on my credit report need to be updated.
Consumer complaint received 2022-01-10
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: DISCOVER BANK (FL)

I am writing to request an investigation regarding my dispute for XXXX XXXX merchant for {$70.00}. I was told by several Discover representatives over the phone that kind of dispute was not something discover does. I spoke to two discover reps and they were rude over the phone and did not want to proceed with the dispute or reopening such dispute. On XX/XX/21 at XXXX I called and representative XXXX did not want to discuss dispute and was rude and refused to let me speak to a supervisor. XXXX said that a supervisor would call me within XXXX hours but nobody did. I think she did not put the request. About the dispute XXXX stated that this kind of disputes was not something Discover did. She advised me that the food was provided and since I had stated that food was not as described and defective is not something she could help with. She advised me to call the merchant and request a letter from them stating that they will provide a refund. XXXX was so ridiculous. I mean who is going to request such a letter. Then on XX/XX/21 at XXXX I called Discover again to discuss dispute and to see why a supervisor had not called me. XXXX a supervisor took the call and she also refused to discuss the dispute and told that such dispute with food quality we dont dispute that kind of issues. She also stated that the hamburger was not cooked well and had bones in it and ribs were dry. She abruptly said I chose to get food and I took it therefore I am responsible for it. Very unprofessional and rude representative as well. Some of these reps are not all that knowledgeable about the rights of customers. I was never also provided with documentation from the merchant for my own review. 
Surprising that I was told this by two representatives taking into account that this is not my first time filing a dispute regarding food that is defective or not as described. I told both reps that I would file a complaint and they reacted as they did not care or that their job was not in jeopardy. Totally arrogant attitudes. I believe that my rights as a cardholder were violated. I request that my dispute be resolved in my favor for {$70.00}.
Consumer complaint received 2022-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

The credit bureaus has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and experian is complicit in this illegal action along with the collection agencies. The credit bureaus are violating the fcra.
Consumer complaint received 2022-01-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The credit bureaus has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and XXXX  is complicit in this illegal action along with the collection agencies. The credit bureaus are violating the fcra.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (NY)

FirstSource Advantage LLC, illegally bought an unknown debt from XXXX XXXX, They have no Authority. I do not have a legal binding contract with Firstsource Advantage LLC nor do I wish to contract with them. They are violating mail fraud laws, XXXX laws, Violation of my right to privacy.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (TX)

XXXX XXXX XXXX XXXX XXXX Ct, XXXX, Tx XXXX XX/XX/year> MONEYLION INC XXXX XXXX XXXX, XXXX UT XXXX Account # XXXX ORIGINAL CREDITOR : MONEYLION INC Subject : Cease and Desist Request for Deletion of Collection Account Dear MONEYLION INC, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX : {$910.00} XXXX XXXXXXXX XXXX XXXX : {$170.00} XXXX XXXX  XXXXXXXX XXXX : {$570.00} XXXX XXXXXXXX XXXX XXXX : {$340.00} XXXX XXXXXXXX XXXXXXXX XXXX : {$230.00}