davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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. (AR)

the 3 secured credit cards I got recent, I was told they would effect my credit since they were secure and one was a loan Im paying off from self credit where you are able to use XXXX XXXX of the loan that you have paid down and use it as a secured card, that it also wouldnt access my credit since they already did for me to get the loan. However it was all a lie, with all 3 cards bc the inquiries hit my credit and brought down my score with transunion by XXXX point! Dates and actions are included in the 2 photos I attached
Consumer complaint received 2022-08-07
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)

Dear Credit Bureau ( XXXX, TransUnion or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

XXXX credit card account number ending XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and a cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC (KY)

I am filing a complaint against Movement Mortgage for the financial situation outside of my control. I had a change in employment status at my previous employer at the end of last year. On XX/XX/XXXX, I attempted to work with Movement by requesting for temporary forbearance for 3 months in accordance to the Cares Act mortgage forbearance program. At the time, I recently secured employment and would start within 2 weeks. 


I was pushed away from this option by customer services reps in the loss mitigation department, via refusing to discuss the option and instead sent a form in the mail that required me to fill out personal information to evaluate the " assistance '' they would offer me. This was initiated by the loss mitigation support via email correspondence. 

This lead ultimately to a discussion on XX/XX/XXXX with another customer representative claiming that I need to pay the full amount {$6200.00}. They refused to accept anything less and refused to offer the forbearance as mentioned earlier. 

I withdrew most of the fund in my XXXX with previous employer to bring the account current status.I sent a check in the amount of {$6300.00} to their XXXX XXXX XXXX XXXX, GA that day. I request that their loss mitigation support to inform me of the arrival of the check. I heard nothing else from that agent. 

I was told by the agent that each month the balance would continue to increase and if the current balance amount was received by end of the month any checks wouldn't be accepted. This deeply bothered me as I simply desired for movement mortgage to get the account paid up as soon as I possible could. 

On the XX/XX/31, I called to make a phone payment in lieu with check in the mail. I informed the agent to simply return the check to me since they have done this to me in the past. I was told this was Ok and they comply with this request. 

On XXXX & XXXX noticed on my XXXX checking account that the check was cashed anyway and phone payment in the amount of {$6200.00}. This over drafted my account by {$6000.00}. I called their customer support on XXXX to resolve this. I told them that due to their actions, I don't have the funds to cover my weekly living expenses ( i.e. food, other bills ). I was told that they will send a refund check minus XXXX 's payment of {$1400.00} for the amount of approximately {$4800.00}. 

However to date, I have received no such check in the mail. I called XX/XX/XXXX to make XXXX 's payment and I was informed that the account is still showing approximately {$7000.00} balance which includes XXXX 's mortgage balance. I requested that since I haven't received the check via mail can they simply apply it to the balance. 

Over the course of most of the last 4 weeks, I have been on a phone call at least once a week with various agents that have attempted to resolve the issue on their reporting.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

Dear Credit Bureau ( XXXX, XXXX or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

discover credit card account number ending XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, XXXX, rental agreement and a cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within XXXX days. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ss # XXXX
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts in my credit file are from unauthorized use of my credit report. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2021-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

While we were in bankruptcy, our mortgage company " overcharged '' us for escrow amounts for seven months even after they had information which said otherwise. We did not pay and requested we handle our own escrow. The company never responded within the seven months but " recorded '' the non-payment as " delinquent payments ''. At the end of the seven months, the mortgage company reduced the escrow payments down to where they should have been and we begin to pay the correct amount but they never reconciled the " excess escrow '' amount with the recorded " delinquent payments ''. They went before the bankruptcy court asking for a " motion of relief from the automatic stay '' so that they could " foreclose '' on the property. We presented to the court our payments for the period in question and copies of their records which showed the payments being received. This resulted in an agreement to settle the matter outside the court, but the mortgage company never did that. Instead, they transferred servicing to another company who proceeded to threaten foreclosure, record " late payments '' and four months pass due payments. We have spent six years now trying to get the mortgage company and the servicing company to acknowledge what happened and how to move to resolve. 
The result has been we have had to pay thousands of dollars above and beyond the cost for resolving the issue and to this day, the servicing company and mortgage company refuse to finalize a solution which we feel would be fair to us and correct what we feel is the " false '' information being reported to the three credit bureaus. 
The lack of resolution has cost us considerable amounts of money in increased cost for other loans and services in addition to increased mortgage loan costs in continuing in a 5.375 % loan in a market where loans are offered as low as 1.9 %.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

I received a collection notice for {$200.00} for a debt that is not mine, from a company I have never had contact with. I did contact XXXX XXXX and created a case disputing the fee. I have had my current energy company for over 14 years and prior to today have never heard of XXXX XXXX. I believe the letter from CMI Services LP /Credit Management LP is fraudulent and are attempting to extort money by falsely claiming we have a debt.

I am filing a complaint against CMI Services LP /Credit Management LP for the above stated reasons.
Consumer complaint received 2022-08-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting Act un wanted Credit Inquiries have violated my rights 15 U.S.C 1681 section 602 A. Section 1 : 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 an account without my written instructions
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY TI FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (WA)

I received my Barclay 's XXXX XXXX XXXX on XX/XX/XXXX. As stated in the signup bonus for the credit card, upon spending {$2000.00} in the first XXXX days, I would receive XXXX AA points and a {$95.00} statement credit. I met this spending requirement and I have received my points bonus, however I have not been given my {$95.00} statement credit. 

I contacted Barclay 's on XX/XX/XXXX asking them when I would see this credit ( message attached in " Barclays XXXX '' ). At this point they replied and stated I would see the credit appear at the close of the billing statement. This billing statement passed, and I did not receive my statement credit. 

I sent my second message to Barclays on XX/XX/XXXX ( message attached in " Barclays XXXX '' ). Once again I asked where my statement credit is. This time however, they replied that now I apparently never had the {$95.00} statement credit offer attached to my account. They said this despite me signing up with this offer ( see attached " Barclays offer '' ), and also previously answering my email and stating that I will see the statement credit at the end of the billing statement. 

As of XX/XX/XXXX, I am yet to receive my {$95.00} statement credit, despite being told I would have it by now. They owe me this credit.
Consumer complaint received 2022-08-07
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: EQUIFAX, INC. (IL)

I pulled my consumer report in XXXX of 2022. I noticed that there are several accounts in my report that I did not give consent to be furnished. Pursuant to 15 USC 1681b ( 2 ), " consumer reporting agencies may furnish consumer reports in accordance with the written instructions of the consumer to whom it relates ''. I never instructed any consumer reporting agency to furnish or create a report. This is a direct violation of federal law of my right to privacy. I demand that the following accounts be removed : old addresses and phone numbers, any and all late payments, charge-offs, and collection accounts.
Consumer complaint received 2024-10-28
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. (NC)

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX Account # : XXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation
Consumer complaint received 2022-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

On XX/XX/2022 I submitted a compliant about a very similar debit that was not mine. The previous complaint ID was XXXX and it was in regard to XXXX XXXX saying I owed {$460.00} and the collection agency at the time was XXXX XXXX XXXX During that time, it was showing up on my XXXX credit report, when the compliant was resolved and identified as an error on XXXX, it was removed off my credit report. Now on XX/XX/2022, I received an alert from XXXX that I had a new collection account open. After I reviewed the information, I found that the amount was the same of {$460.00}, but the company was XXXX, and the collection agency this time was MRS BPO LLC. I did contact XXXX on XX/XX/2022 at XXXX XXXX  to see if anything came up on their end with my social security number and the amount of {$460.00}, but nothing came up. This again tells that there is an error on XXXX 's part or a potential fraud.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (TX)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : XXXX XXXX XXXX Account XXXX Account : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address. 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-11-02
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. (AZ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last complaint sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have several wrong names, misspelled or incorrect, as well as wrong addresses-I submitted a house bill and my drivers license as proof of the correct name and address. 
Within 2 weeks, Transunion sent me a letter saying that I needed to verify my Social Security number. I called the number on the letter to complain that I had submitted the necessary documents to have my acct updated. The agent said everything was correct on my report except one name that was reporting. I asked for a full report of my credit report and all of the addresses and names are still reporting on my report. Names reported as of XXXX on XX/XX/2022 are XXXX XXXX XXXX- this name belong to me XXXX XXXXnot me XXXX XXXXot me I am trying to clean my report and TransUnion is making it very difficult. Their unwillingness to cooperate is costing me many missed opportunities and suffered losses, including a better job. 
Also XXXX XXXX is reporting on XXXX and XXXX as paid, closed never late and in good standing. TransUnion is reporting this account as delinquent. I called the company to speak to XXXX in billing who explained that she did not enter this on my account and that she marked the account as it is reporting in XXXX and XXXX.
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (NJ)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX 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
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AR)

Bluebird American Express suspended my account on XX/XX/2020. I recieve my unemployment and other financial deposits into this account. I have called all morning and tried to log in my account. Everytime I call they tell me my account is suspended but disconnect the call. I have children and no money to get to. Just because I have deposits coming from the government doesn't mean I do not need my money.