davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit and XXXX  issues because of high levels of stress. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. 

As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Free Credit Reporting Act by reporting false and erroneous information. 

I demand a deletion letter from this company so this item related to FRAUD gets removed from my credit report. The account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. If The Best Service Copmpany denies a deletion letter, I am willing to take this issue to the next level and let a court judge to decide. I am sure that the list of violaitons will go up once I talk to my attorneys. 

Attached : Letter sent to XXXX XXXX XXXX  on XX/XX/XXXX and FTC Report.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LD Holdings Group, LLC (GA)

I had a reduction of income hardship due to XXXX I had reduced hours and forced career change. After having XXXX in early 2021, I couldnt return to normal duties at work. I lost my XXXX endorsement. I was not able to pass my XXXX XXXX XXXXXXXX XXXX  due to the XXXX XXXX  of XXXX on my body. Im dealing with XXXX  to get my endorsement back. After I regained normal energy and XXXX XXXX, I focus on XXXX XXXX and not XXXX XXXX. Ive been able to make study payments but due to my loan status Loan Depot I couldnt accept any of my payments. I have a consistent work history and I can make consistent payments.
Consumer complaint received 2023-03-16
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (MD)

I tried several times to purchase a sofa from XXXX XXXX but could not get customer service to handle my problems properly. When I did successfully purchase a sofa it came with the wrong fabric and flawed pillows. I returned it. A representative gave me a discount towards another sofa but I still had problem with getting accurate information from customer service and inadvertently lost my discount and had to pay an addition {$500.00} for my purchase.

They kept giving me just a little information at a time. I thought they knew how things worked and would provide me accurate information to complete my order. For the same sofa I was billed for 22 yards of fabric then 29 yards which came to more than {$300.00} additional dollars. Each time I called to discuss my purchased the solution was cancel the order, but I lost my 30 % discount had to pay the shipping cost. They would not honor it on my new order which was the solution given to address the problem I was having. If they had let me know the most of the fabric would cost over {$1000.00} I would have kept the order which I got the same sofa with the same fabric less 30 % discount and discount on shipping cost. Instead of paying {$2400.00} I am charged {$3100.00}. I want my discounts returned to me.
Consumer complaint received 2023-02-08
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX 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 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (VA)

Dear CFPB, I am writing to inform you of a dispute I have with my credit report. I have identified inaccurate information on my report from ( XXXX, XXXX, and XXXX ). 

Dear CREDENCE RESOURCE MANAGE, I, XXXX XXXX XXXX am disputing all debts owed. I am also writing you this letter to revoke all means of communication with me via email, text, mail, calls. 

CREDENCE RESOURCE MANAGE Collection Agency did not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on your consumer report.

I have not have not been given the opportunity to dispute account according to law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is currently violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law, CREDENCE RESOURCE MANAGE is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Also, I request that this debt be validated by furnishing my original purchase agreement between CREDENCE RESOURCE MANAGE And the original creditor. I am also requesting CREDENCE RESOURCE MANAGE their licensure and bond to collect this debt from me. 


I request that ( XXXX, XXXX, and XXXX ) investigate this dispute and remove or correct the inaccurate information within 30 days. 
Thank you for your time and assistance in this matter. 
Sincerely, XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-16
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)

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (MD)

n 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 U.S.C 1681. XXXX XXXX : XXXX 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 know or has reasonable cause to believe that the information is inaccurate.

After I submitted this initial report the account mentioned above has now added an additional late payment. So now I have two late payments on this account when the account was closed in XXXX. Chrysler Capital did not process my refinanced check in a timely manner and now they are acting with malicious intent by adding an erroneous late payment. Further more, all investigations into this account have proven that this information is inaccurate. Chrysler Capital did not add my refinanced payment to my account and this resulted with my account being flagged as late because Chrysler capital 's inability to process refinanced checks in a timely fashion. This is has caused unrelenting stress upon myself and my family and has caused great turmoil.
Consumer complaint received 2021-01-12
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. (GA)

I noticed that i have been a XXXX  of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2024-06-12
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. (GA)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-06-14
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. (PA)

This letter is a formal complaint that you are reporting inaccurate credit information on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be removed immediately : Account name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, _________________________________________ XXXX XXXX
Consumer complaint received 2018-10-05
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. *see attachment* Document password - XXXX
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX store ran my credit in an error, credit request is in my report and I would like XXXX to remove this errors. E-mail below from XXXX states that the credit was ran in error but XXXX did not resolve this matter.
Consumer complaint received 2023-01-09
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$96000.00} and XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Consumer complaint received 2023-05-29
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. (MO)

Account # XXXX XXXX XXXX XXXX ( Original Creditors is XXXX XXXX ) This collection account is reporting as Open and that is illegal and hurting my approval chances. 


XXXX XXXX XXXX Account # XXXX This collection account is also reporting as open and is illegal
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

Dear Comenity/Ideal Image I am writing to you again in disbelief that Comenity/Ideal Image would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how Comenity/Ideal Image irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that Comenity/Ideal Image furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' Gillespie v. Equifax Information Services, LLC, 484 F.3d 938 ( 7th Cir. 2007 ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like XXXX. See, e.g., Shaunfield v. Experian Info. Sols., 991 F. Supp. 2d 786, 791 ( N.D. Tex. 2014 ) ; D'Angelo v. Wilmington Med. Ctr., Inc. , 515 F. Supp. 1250, 1253 ( D. Del. 1981 ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' 16 CFR Part 600, Appendix. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes Comenity/Ideal Image to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Consumer complaint received 2023-05-29
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. (TX)

I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was NEVER late for. Consumer Reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. I have never been late on payments for the account. XXXX Account, XXXX,. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.