davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - POSTAL OFFICE Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged Federal - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

On XX/XX/year> I applied on line for a Best Buy Store credit card at the Best Buy website. The Link to me to Citi Bank that issues the credit cards. The card offer was for a no fee card that offered a 10 % discount on your first purchase in reward points. I was denied for the promotional card but offered another Citi Bank card with a {$59.00} annual fee. I investigated the reason for the denial and was told it was for " Insufficient Credit Experience ''. Reference # XXXX by associate XXXX. Now here is the twist.. 
I am XXXX XXXX XXXX, have a lifetime of established excellent credit and a credit score over XXXX. There should be no reason for any denial and certainly for an " upsell ''. This is clearly a Bait & Switch operation that includes false financial advertising.
Consumer complaint received 2024-07-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

During our phone call, I informed your representative that I possess evidence proving the debt to be incorrect. When asked if a property manager had conducted a walk-through, I clarified that such an option was not available. Instead, an individual visited my unit and instructed me to paint and cover the holes in the walls, which I promptly did using supplies provided by the property maintenance. 

Despite my attempts to explain the situation, your representative dismissed my evidence and proceeded to threaten me with adverse actions regarding my credit report. Furthermore, the conversation concluded abruptly when he rudely hung up the phone while I was still attempting to address the issue. 

I subsequently attempted to contact your office to discuss the matter further, but my efforts to reach a resolution have been unsuccessful as I was unable to get through to anyone. 

The conversation has left me deeply concerned both about the handling of this matter and the unprofessional conduct exhibited by the representative.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc. (CA)

I am a survivor of debt bondage, a reprehensible form of XXXX XXXX  that coerced me into accumulating debts under duress. As a result, my credit report bears several derogatory marks. With the assistance of a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX  survivors, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ). This section mandates credit reporting agencies to promptly remove adverse information linked to trafficking upon filing an official claim.
Consumer complaint received 2023-04-09
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX, Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc. (FL)

I find myself a survivor of XXXX XXXX, a distressing form of XXXX XXXX  that coerced me into accumulating debts. This dire situation has left my credit report tarnished with derogatory marks. Presently, I am under the guidance of a representative from the XXXX XXXX, an organization dedicated to supporting survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of adverse information related to XXXX  upon filing an official claim.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

unfortunately, I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2019-07-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XXXX XXXX at around4pm California time a Real Estate Agent or Auction.com Rep was parked in front of my home at XXXX XXXX XXXX, XXXX, Ca. stating my house was going to be sold on XXXX XXXX at auction sale. 
The Reps or Real Estate Agents stated that house is listed on XXXX as Foreclosure and For Sale and it's true, because I saw my house listed on XXXX. 
I spoke with SPS Lender and Rep stated that I was in " Assumption '' in having my name on the loan as I have substancial income evidence to comply with the new loan assumption and Loan Modification. 

I have sent all documents requested by SPS Lender and rep stated they have all documents requested to move forward with the Assumptions and Loan Modification. 

A Assumption on the loan has to be done according to SPS Lender of XXXX XXXX XXXX because my Mom XXXX XXXX XXXX XXXX  with XXXX and I can take over the loan because I am on title on the house only. 
SPS Lender didn't want to add my wife on the loan because, they stated that she is not on title of the house. 
I don't have no Attorney to represent me, because I can not afford a Attorney, so I respectfully made contact with XXXX XXXX XXXX XXXX to assist me on myy issues. 
I have a family, with children, and, my Dad has a Lifetime Disability and Pre-Existing Medical Condition and we don't have no other shelter for my family, if we are foreclosed out of the house on XXXX XXXX. 
We will be Homeless and without shelter. 
My Dad XXXX XXXX is XXXX and Former-brother in Law XXXX XXXX XXXX is a XXXX XXXX XXXX XXXX Veteran and he is XXXX Lifetime and Retired. 
We respectfully like to have a Amicably a positive Assumption and Loan Modification so we be able to rest in Peace and without stress. 
We don't want to contact the National News and Local News medias on my issues, as my Mom XXXX XXXX loan is in Fraud, Scandals and Corruptions and that's why SPS Lender, the XXXX XXXX XXXX wants to expedite the Foreclosure and Sale of my Mom XXXX XXXX and my home on XXXX XXXX at 9:00 am in XXXX XXXX, California. 
This is a very Urgent and Extreme issues!
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AZ)

I'm writing about a concerning issue with my credit file. I've discovered a collection entry from your agency that I was never notified about. I have serious doubts about the validity of this claimed debt. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. Please provide the required validation and address this issue appropriately.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCB Rent Reporting Ltd. (PA)

On XX/XX/XXXX, I submitted a complaint regarding LCB Rent Reporting Ltd. inaccurately reporting data on my credit report. The company acknowledged the error and stated that the balance being reported was incorrect and that they would update the credit bureaus. As of XX/XX/XXXX, the information remains unchanged from what I originally reported. 

Furthermore, the account is inaccurately listed as open, despite my rental agreement ending on XX/XX/XXXX. It also falsely indicates that I have scheduled monthly payments, suggesting to potential lenders that I have an ongoing monthly obligation of {$2400.00}, which I do not. The disputed debt of {$7200.00}, currently being litigated in the XXXX of PA courts ( on appeal ), pertains only to XXXX, XXXX, and XXXX of XXXX. No other months were delinquent or unpaid, so the historical data needs to be corrected. 

Additionally, there were never any partial payments or payments less than {$2400.00} made to the landlord, so the last date of payment XX/XX/XXXX indicating {$1600.00} needs to be corrected as well. The balance of {$13000.00} listed as past due is completely inaccurate and must be corrected immediately as it is significantly damaging my credit rating. At this point, LCB Rent Reporting 's negligence in correcting their error from a landlord is unacceptable and a clear violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA, consumers have the right to dispute inaccurate information, and the credit reporting agency is required to correct or remove inaccurate, incomplete, or unverifiable information, usually within 30 days.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NJ)

I recently reviewed my credit report and noticed I have a collection on my report that is not mines can you please remove this fraudulent account from XXXXXXXX XXXX of XXXX dollars was opened XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-07-19
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: DISCOVER BANK (GA)

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per ther 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 XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 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 Law. I have provided all needed documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-22
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (MI)

Purchased a XXXX from XXXX ( Comenity Bank ) {$43.00} on XX/XX/year>, returned XXXX on XX/XX/year> but was only credited {$42.00}. Last statement I received from them was {$43.00} balance due XX/XX/year>. Received a call XX/XX/year> about a past due balance on my account ( surprised because I have not received any statements from them ) and they are showing a {$63.00} balance. When I checked the account online is when I discovered they only credited me the {$42.00} leaving a XXXX cent balance. When I called Comenity Bank to explain and that I was wrongly charged the following : XX/XX/year> Late Fee {$30.00} XX/XX/year> Interest {$1.00} XX/XX/year> Late Fee {$31.00} XX/XX/year> Interest {$1.00} First, I was hung up on twice, then I requested to speak to a supervisor. She told me that unfortunately she could only remove XXXX late fee and that she would transfer to someone higher to see if they could remove the other late fee. Transferred to higher supervisor and again I was told only XXXX late fee for {$31.00} and interest for {$2.00} could be removed and that I would need to pay the {$30.00}. When I told her I would not pay {$30.00} because this should have been a XXXX balance when I returned the item on XX/XX/year> and because they credited me XXXX cent short. She informed me I would need to pay the {$30.00} late fee or it will cause additional late fees and interest. She said I could call the Sales Department to see why they shorted the return for {$.00} ( XXXX ). When I called this number provided they informed me they could not help with that or the late fees and I would need to contact Comenity Bank.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ).
Consumer complaint received 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (SC)

I have received repeated calls and messages from Amsher Collection Services claiming that I have a delinquent Charter Communication bill. I have never lived at the address where they claim the service was installed nor have I ever had Charter Communication. I believe this is fraud and not my account. The collection company is demanding that I complete fraud documentation on their website I have, and they still continue to harass me about a bill I am not aware of nor requested service from Charter Communications. Again, they will not provide a signed contract, Social Security verification, or proof of the account. 

Please help me to get this company to leave me alone
Consumer complaint received 2022-12-05
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. (GA)

XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.

The following items are attached - Original letter sent to FedChoice advising of violation of law re : utilization - Response from XXXX - Original XXXX Certified Mail Receipt
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc. (CA)

As a victim of debt bondage, a severe form of XXXX XXXX  I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.