davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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. (IL)

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. XXXX  XXXX 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. 
account does not belong to me ; I do not own a XXXX  XXXX XXXX. 
COMAPNY SENSIBLE AUTO LENDING HAS VIOLATED MY RIGHTS
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Duty pursuant to the FCRA, it is EXPERIANs responsibility to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 22 inaccurate late payments for the XXXX XXXX account XXXX. These include a 30 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX and XXXX XXXX, and a 60 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-10-02
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. (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX is the bank in which I have a XXXX XXXX Account. A couple of years ago my credit limit was increased to {$800.00} when I did not make a request. This increase caused my credit score to drop 30 points without any reason. I filed a complaint with CFPB against all 3 credit bureaus and neither credit bureau could answer why that occured, basically citing proprietary reasons. Over the last 2 years XXXX  has consistently lowered by available credit when I have requested an increase. Most recently XXXX  indicated that my credit reports were the reason why they lowered my available credit. I do not have any delinquent accounts or late payments. I have paid XXXX  as required. My contention is XXXX, like XXXX XXXX and other banks are doing this in an effort to force consumers to seek other credit products. Currently my account appears to be maxed out after a recent purchase. XXXX  changed my available credit from {$700.00} to {$520.00} after I made a payment of {$300.00} on XX/XX/2019 and a purchase of {$200.00} on XX/XX/2019. Now my available credit is {$22.00} which has the effect of a maxed out account. XXXX XXXX identifies/suggests many credit card products and now loans to " fix '' my credit. Recently I filed a complaint against XXXX XXXX for holding my {$320.00} payment which they released after I filed my complaint.
Consumer complaint received 2023-10-02
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$380.00}.
Consumer complaint received 2023-10-02
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
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. (TN)

I have no idea who these accounts belong to. I have sent letters to dispute but all I keep getting is stall letters or the credit bureaus not properly investigating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (CA)

I checked and reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I closed my Capital One account that was paid in full in XX/XX/XXXX and closed at that time. Capital one is reporting the XXXX balance closed account is delinquent from XX/XX/XXXX to present. How can an account be closed for over a year and a half show as delinquent? My credit score is being affected. I called Capital One and they would not help!
Consumer complaint received 2023-10-02
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; SXXXX XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX CXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} ; SXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$280000.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$3800.00}
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identtity theft. I filed the correct information according to the FCRA and submitted disputes to the credit agencies. The disputes are not being processed correctly and the paperwork from the FTC is not being attached to the disputes. I am not getting copies of the verfication process sent to me. 

These are the accounts : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX OF XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXX/XX/2023 -- XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-10-02
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I AM The Victim Of Identity Theft ; Whereas, Fraud Accounts Reporting Via My Credit Report Profiles. Moreover, The Following Documentation Sent To Validate My Claim Via Local, State, Military, And Federal Law Enforcement ; And, I AM Legally Responsible Via Any And All Submissions : My Correct Address Is : XXXX XXXX XXXX XXXX!!!!!! 

- Identification - Bank Statement - FTC Documentation - Residential Utility Bill - Notarized Proof Of True Identity FRAUD ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is reporting inaccurate information on my credit report. I never gave Transunion or anyone authorization to run my credit report. The information theyre reporting is incorrect and invalid.There inquiries are invalidated and inaccurate and needs to be removed from my credit report please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately thank you.
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

We have had a mortgage loan for approximately 35 years. Ocwen became our loan servicing company after acquiring it from XXXX. With XXXX we had an ARM for 2 years at 8.650 % with a 30-year fixed rate following that. With Ocwen, we were told in XXXX of XXXX, that our loan would be going to a variable rate. In XX/XX/XXXX PHH took over for Ocwen, which now holds our loan. In the process of Ocwen/PHH transitioning in as the loan servicing company, our loan has gone from a payment of XXXX to XXXX per month. We have paid our payments on time but according to our credit report, the payments are showing as late. In looking online more into this company we have found this to be the case with many Ocwen/PHH mortgage holders. Please see XXXX XXXX XXXXXXXX. According to this website, 21 states have filed class action lawsuits and have successfully banned Ocwen/PHH from being a loan carrier in their states. ( " In late XXXX of XXXX, 20 states took aim at Ocwen and blocked the company from handling any more mortgages in their states. Massachusetts became the 21st state on XX/XX/XXXX and in XXXX, Texas joined the growing list of states that have said, Enough! to Ocwen foreclosure fraud. '' ) Our credit score has been damaged terribly by them. Our score has gone from XXXX to XXXX. Because this is our only loan and we pay our bills on time, we have a strong belief this is because of this company and the payment we are required to make is crippling us. 

We discovered our credit score within the last 2 weeks as we were applying for a new loan. We received no notice of any kind from them and we are afraid they are going to take our home from us. We have also attempted to contact them but they are not taking calls because " PHH phone system was not working because of a high volume of calls. ''
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

The complaint I am filing is a result of an ongoing PMI deletion request with Suntrust Mortgage. I followed all guidelines on how to submit this request. I did receive a timely appraisal ; however, the result of the appraisal I firmly disagreed with for good cause. The value of the home did not meet PMI deletion 80 % loan to value. After speaking with the woman who appraised my house she admitted that she missed a key comp which would have valued my house much higher to qualify for PMI deletion. She asked to me to rebut my finding to the bank and that she would redo the appraisal. I have since written 2 letters to Suntrust and spoke with multiple agents all who have blown this case off or denied my fact based information. They have now closed the case. I am essentially being pushed around by a bank who does not want to admit there was an appraisal error that could potentially qualify me for PMI deletion.
Consumer complaint received 2023-10-02
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. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-11
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: Heritage Financial Group, Inc. (KY)

I have tried to resolve my issues with Heritage Acceptance Corporation # XXXX concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.