davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (PA)

ATTENTION DISPUTE DEPARTMENT CKS PRIME INVESTMENT Reported : XX/XX/2021. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious. Reported : XX/XX/2021. I have reported your company to consumerfinance.gov, & next I will be taking this federal court As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. 
Another thing is the monthly payment is incorrect. If the XXXX credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL XXXX BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX 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
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL XXXX BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX 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
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (MI)

I was on a payment agreement set up by attorney XXXX XXXX XXXX # XXXX for an account that I never got the opportunity to have validated original creditor was Synchrony Bank, but they served me papers and threatened putting a lien on my house so my wife insisted we start paying. The {$160.00} payment was automatically taken out of our account biweekly and XXXX XXXX stated he would call me when it was time to renew the auto debit. He or his office did not. My wife noticed the payment was not taken out of our joint account and assumed I used my personal account to make payments. 3 months later of no payments and 14 messages left for this attorney I finally get someone who will talk about my case. I was told XXXX XXXX filed a wage garnishment against me for non payment and even if I paid the {$4000.00} balance they would not stop the wage garnishment. I demanded to have XXXX call me immediately and when he did not only did he use profanity, call me out of my name, talk down on my ethnicity, when I told him it was illegal to take money from me in excess of what was owed he told me he can and will do whatever the XXXX he wants to do and slammed the phone hanging up on me! 5 days later I get a wage garnishment in the mail from XXXX XXXX XXXX XXXX and I object it with the court. The paper states I have 14 days to dispute it. I had {$690.00} garnished from my paycheck exactly 8 days after this attorney refused to stop the garnishment if I paid the balance in full, was vulgar and unprofessional and hung up on me. I contacted the court who stated my 14 days has expired and this attorney served me the papers later than he should have. I contacted Synchrony Bank who would not help and referred me back to XXXX XXXX XXXX at XXXX XXXX. My wife and I called repeatedly over several days and left messages and got no return calls, my wife emailed and got No reply. How is this legal to talk to someone like this, threaten them, use such vulgar language and tell me they can make me pay double on an unverified debt??
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 : Also States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-22
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. (VA)

I have tried multiple times to have identity theft fraud acounts taken off of my credit report. XXXX, expierian and XXXX  keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be XXXX.
Consumer complaint received 2022-09-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX is reporting inaccurate information to my credit report for the following account. 

XXXX XXXX XXXX - ACCOUNT # XXXX Inaccurate information : Late Payment ( XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ) I have contacted both Credit Bureaus with request to " delete inaccurate information ''. The creditors response was they have " verified '' and " updated '' the information. However, according to my credit report, the information was never verified nor updated. 

Please see attached files photo copied ( Screenshots ) from their respected website on XX/XX/XXXX. It will show that the account has not been updated since XX/XX/XXXX. 

The creditors are in violation of my consumer rights under the FCRA 15 U.S.C. 1681 - U.S. Code in which the credit bureaus must report accurate, verified, and complete information. 

This violation includes negligence, willful noncompliance, and defamation inhibiting my ability to obtain credit.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc. (KS)

I was approved for a loss mitigation/loan modification. I made 6 consecutive payments which was what I was instructed by a representative was what was needed before my past due balance could be moved to the end of my loan. I was attempting to make another payment when I got the voice protemed message i needed to pay all of my past due balance. Finally when I could get a call back and speak to someone on XX/XX/XXXX at XXXX I was told it was cause I was terminated from the program due to a tax lien. I instructed the representative that I faxed the satisfaction of judgement on XX/XX/XXXX XXXX at XXXX and had a succuessful fax transmattel letter to send him to as proof. the representative asked me to hold. Upon his return he told me he found the fax but it was to late and I would have to reapply again. Now I have tried reappling I have spent the whole month of XXXX trying to ensure the morgatage company has the correct documents I have faxes and emails to them plus phone calls where I sit on hold for over XXXX hours waiting to get to talk with a representative. Finaally last monday XX/XX/XXXX a represative called me back at XXXX XXXX we discussed the documents and she couldn't answer my questions and stated that department was closed for the evening however she could schedule a call back for Tuesday XX/XX/XXXX at XXXX, no one called, I have been calling every day since with no luck. I am currently on hold again now for the third time today, XX/XX/XXXX. All I wanted to do was make a payment on my house, I repeated to several representtatives I couldn't make the whole past due but I was making a monthly payment as we had agreed previsouly. I begged them to please to my monthly payments cause I WAS only getting further and further behind and this was only causing me a further hardship. 

( In the attachments I am including an email where you can see I was contacting them back in XXXX asking why my payments hadn't gotten any lower. my last payment the system let me make was XX/XX/XXXX. )
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2017 Reference # : 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
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Please help all my Consumer Rights has been Violated.

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (VA)

This company has reported two late payments on my account that were caused by their own application malfunction. For weeks I havent been able to connect my bank account to their system via their app because of an error message that I continually received. Then at some points I couldnt even access the app at all, it would just glitch over and over ( see attached ) Once I finally was able to connect it to make payment it was marked as late. I paid it all off and still cant use the app to this day. They have refused to remove the late payments even though it was not my fault
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2017 Reference # : 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
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XX/XX/2021 ) ( XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX and TransUnion XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed - XXXX XXXX XXXX USA Inquiry XX/XX/2022XXXX XXXX XXXX XXXX : XX/XX/2022
Consumer complaint received 2022-07-08
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: ONLINE Information Services, Inc. (FL)

I have spoken with XXXX XXXX to request that they investigate and review Account # XXXX. I have not received a reasonable resolution at this time. 
I am contacting you because you are claiming that you have compeleted a reasonable investigation with the furnisher of this information and verified the account listed below as reporting 100 % accurate. However, I am not accepting ownership of this account as I have been incarcerated through the Florida XXXX XXXX XXXX since 2016 and I have attached evidence of the sentence and also an Identity Theft Report to this complaint. 
Since you have failed to correct the reported errors. I W.E a consumer, and natural person, am aware of all rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). I demand that you immediately delete the inaccurate information from my credit report as I am in the process of re-establishing my credit and taking care of my responsibilities. This is causing further hardship and progress to me having the opportunity of a fair chance in establishing credit.