davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (GA)

I have Requested from Experian that this inaccurate information from XXXX, XXXX XXXX XXXX XXXX, be blocked and removed from my credit report. I believe all of these are result on my credit report due to not only one breach but 3 different breaches including the national breach, XXXX XXXX and XXXX of my personal information. I received an email and a letter from XXXX XXXX about a breach, but they told me 6 months after they found out. I continuously have information that pops up on my credit report that is fraudulent and inaccurate. I have sent detailed information including a credit report along with all required documents to experience for this information to be removed. I filed an FTC report number # XXXX the inaccurate information on my report is fraudulent as a result of I'm sure more than just these three breaches.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : US DEPARTMENT OF EDU # XXXX Account Name : XXXX # XXXX
Consumer complaint received 2024-10-23
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist - Credit Reporting Issue Dear LVNV I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with LVNV with accounts number XXXX XXXX I believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. 

Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. Please provide written confirmation of your findings within 30 days. 

Failure to comply with this request may result in further action to protect my rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

I was cleaning out my spam emails and noticed I had an email from a XXXX XXXX from The Speedy Cash Legal of Attorneys with a court case number and letter attached stating I would be sued for a lil over XXXX dollars which includes court costs, and attorney fees for a balance being owed of XXXX dollars. Said I had 24 hours to respond or they'll proceed with the process. First of all, I almost never check my spam and why would this go to my spam mail anyways. Second. I thought Speedy Cash was a lender and not attorneys. I refuse to respond to anything that's in my spam mail. Make it make sense
Consumer complaint received 2024-10-23
Product: Credit reporting 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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXXXXXX XXXX XXXX XXXX I went to the XXXX Wells Fargo branch and withdrew XXXX. The scammer on the phone told me that my account is compromised and that I should take out my money immediately, which I have done. Then they told me to add a new XXXX XXXX to my wallet, which I also did. Then I was told to deposit all the cash into the card, which I did in batches. Then the scammer tried to do a factory reset and told me to delete the debit card from the XXXX XXXX, which I did and led me to losing all the money. I have a receipt of depositing XXXX in cash ( checking account ending in XXXX ). Though I have authorized the withdrawal myself, the ATM should have a record of where I sent the money to. Wells Fargo will not release that information to me, which I need in order to find the checking account my money went to and so I am able to get my money back.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-23
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: Resurgent Capital Services L.P. (CA)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I dont not have a contract with LVNV FUNDING LLC XXXX 
I recently received a copy of my credit report and found that they are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$650.00}. I requested verification and I have not received anything.
Consumer complaint received 2024-10-26
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I submitted a dispute with Chase regarding a ring I purchased on XX/XX/year> in XXXX that turned out to be fake ( lab made ) for {$1100.00}. The details of the transaction is included in the attached documents that I submitted to Chase, but in short, the salesman represented the ring was authentic but the certificate stated " LBRT '', which I did not know until I researched afterwards to mean labmade. I called the store for a refund on XX/XX/year> and told they would not accept returns. I emailed them on XX/XX/year> and they responded by email stating they would not accept return. The category of my dispute with Chase was " merchant refused to accept return ''. However, Chase denied this claim, citing " we reviewed the information available and found that the merchandize was provided, and you didn't return it or make arrangement for the merchant to pick it up ''. This is directly contradicted by my emails. Chase did not consider any of my evidence in siding with the merchant. The merchant never submitted any evidence that they would accept the return. If they did, I would have loved to just return it. 

Attached are 1. My original dispute package to Chase describing the purchase, with evidence ; 2. a letter that I sent to Chase to refute their unfounded claim that I didn't try to return the item, with the emails with merchant attached as proof ; and 3. Chase 's denial letter There are more documents I can provide if helpful to you. Thank you for your attention to this matter.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

XX/XX/XXXX, XXXX sent Debt Validation letter for them to prove they have the authority to collect these debts. It is with LVNV/Resurgent all the letter says is it was sold to them on XX/XX/year>. Nothing else except amount. They have also violated calling my family and my ex-husband whom I've been divorced from for 10years. I have disputed this with the Credit Bureaus and nothing has been done. I don't care how long this company has been in business which they state in the letter they sent in reply to mine but nothing that shows they legally own these debts. It's not a validation letter it's a bill asking for me to pay them in full or payments, when they haven't showed validation they hold my account legally except the amount of debt. It shows on my credit there are 4 credit card collections with them & I sent 4 separate letters asking for Validation and I'm sure I'll get 3 more letter like the one today. If they can't show the contract from original debtor and it being signed over to them, then by the FCRA Law they have to delete it.
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/year> I paid off the full balance of my account and closed the account. I received a letter dated for XX/XX/year> stating my account was closed with a {$0.00} balance. Comenity started charging late fees on my account after this full pay off and closure of the account. They charged about {$260.00} worth of fraudulent late fees on my account before sending it to collections. At this time, I have filed 2 disputes about this account. The first in XX/XX/year> wherein I stated the account balance was incorrect as I had paid off the balance entirely in XXXX. This dispute was not settled in my favor as Comenity submitted a fraudulent ledger that had a {$5.00} charge following the closure of the account. Comenity failed to send billing statements to me until they had charged me 3 months worth of late fees on top of this fraudulent {$5.00} charge. Recently I filed another dispute against the company and it was not resolved properly. The comment closed by client was removed rather than the inaccurate charged off comments. While Comenity did charge off a debt and sell it to a collections agency, it was not a debt that I have ever owed them. It is my belief that Comenity charges fraudulent late fees as a means to make extra money off of their consumers. I do not believe I am the only one they have done this to and they need to have a thorough audit of their banking practices and all of their accounts.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TomoCredit Inc. (TX)

I saw an ad for Tomo credit that they help fix your credit and if you pay XXXX a month you get a credit card with a big credit line. So I signed up it look legitimate then I got an email saying they no longer offer a card and all they offer is to help fix your credit very much like XXXX XXXX. Which I have and its free. I tried writing them it took them a long time to get back and they say will not issue refund. They dont have a phone to call or speak to someone. I have put a reversal at my bank waiting to hear back. This has been a nightmare I cancelled but this company gives no support they provide false advertisement. They also have a ton of articles of many people being scammed by them. I need help..
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear LVNV FUNDING LLC and XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to th
Consumer complaint received 2023-10-05
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. (OK)

I am writing to dispute the following items attached to this complaint, that are still reporting inaccurately after your reinvestigation. I disputed these items through the CFPB in XXXX, XXXX and XXXX. 

My credit reports from XXXX through XXXX will reflect that no investigation was done and that all disputed items are still reporting inaccurately on my credit report. 

I am requesting that you remove the disputed items from my credit report immediately. I have a right to an accurate credit report, and these inaccurate items are harming my credit score and ability to obtain loans and other forms of credit. 

I have enclosed a copy of my credit reports with the disputed items circled, as well as supporting documentation. Thank you for your time and attention to this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX L
VNV FUNDING Account number XXXX Dear Sir/Madam, I am writing regarding my previous correspondence dated XXXX XXXX, in which I requested validation of the above-referenced debt. To date, I have not received sufficient information or documentation validating this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

As outlined in my original request, I am disputing this debt until you provide all of the following : Proof that I owe the amount claimed : A full accounting of how the amount has been calculated, including any interest, fees, or charges added to the principal balance.

Verification of the debt : Clear identification of the original creditor and proof that the debt belongs to me.

Copy of the original signed contract : A copy of any contract or agreement that demonstrates my obligation to repay the debt. 
Documentation of your authority to collect : Proof that your agency has legal authorization to collect on this debt. 
If you are unable to provide this information within 30 days, please cease all collection efforts, remove any negative credit reporting associated with this account, and notify all credit reporting agencies of your failure to validate the debt. 

Furthermore, please understand that this letter is not an acknowledgment of liability for this debt, nor should it be interpreted as a renewal of any applicable statute of limitations. 

Please direct all future communications regarding this matter in writing to my address listed above. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

In XXXX of XXXX  I was first contacted by The XXXX XXXX regarding a debt that I was told I owed. This debt, however, had previously been identified as fraudulent, and I had taken action to have it discharged. I immediately informed XXXX XXXX XXXX that the debt was not valid and should not be pursued. I also gave them a police report and FTC report. 

Despite my communication, XXXX XXXX XXXX continued to attempt collection. As a result, I reported the matter to the Better Business Bureau and contacted the legal representative of the original company associated with the debt. the companys lawyer confirmed that the debt was fraudulent and assured me that they would correct the error on my credit report. 

However, despite these steps, XXXX XXXX XXXX has continued its attempts to collect this fraudulent debt. I have repeatedly asked for this issue to be resolved, but no action has been taken to remove the debt from my credit report. 

I am requesting that The XXXX XXXX immediately stop all collection efforts related to this fraudulent debt and remove it from my credit report, as they were notified of the discharge and the fraud claim. Failure to comply will leave me no choice but to pursue further legal action to protect my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CT)

In XXXX, I opened a new card account with Discover, which was offering a XXXX percent APR for 18 months on balance transfers. I transferred a balance and, based on the advertised terms, was not expecting to see a payment for 18 months. Yet I received a " payment due '' notice for XXXX. The agent explained it is for a minimum payment, which was not described in the marketing materials. What's more, the minimum payment is equivalent to 24 % APR. This was deceptive marketing on the part of Discover.