davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Apelles, LLC (CA)

I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ) and my privacy has been breached. I do not validate the alleged debt from APELLES. APELLES has violated my federally protected consumer rights by stating, I the consumer owe any debt as pursuant to 15 usc 1692b ( 2 ). APELLES has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). APELLES conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. APELLES has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). APELLES has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified APELLES in writing that I refuse to pay the alleged debt and wish APELLES to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with Exhibits and a invoice. Since APELLES has failed to comply with provisions of 15 usc 1692 APELLES is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have not received a response from the credit bureaus despite several letters, nor have I noticed any modifications to my report. The bad items I've been contesting remain on my credit record. This is obviously a violation of federal law. Credit reporting agencies are required by FCRA 605b to remove/block any accounts included on an identity theft report. I've attached some documents to help with the blocking of the incorrect information on my report. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00}
Consumer complaint received 2022-07-13
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. (TX)

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-13
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX  XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (FL)

I reviewed my Consumer Reports and noticed that I had two 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 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.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-11
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number # XXXX Delete this account.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Addresses and employers that I have not been associated with and do not recognize need to be removed : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (LA)

On or about XX/XX/2022 I noticed that when I tried to transfer my mother-in-law {$35.00} for my monthly gym membership my Venmo account was locked. I reached out to Venmo on XX/XX/2022 to inquire about the " frozen account '' and see what I needed to do to resolve the issue. The first person I spoke with informed me that I should have received an email from a " specialist '' and that I needed to respond to that email with the required documents and information needed to have my account taken from a frozen status. I explained to the customer service agent, that I never received any emails from Venmo or a specialist, and even checked my junk mail in my email. Also, on the same phone call I confirmed my email address with Venmo to make sure they had the right one on file. 

A second phone call was placed to Venmo support in regards to the same issue, my account was still frozen five days later and the issue still has not been resolved. When I reached a customer service agent, I explained to him that previous issue I was having and went over with him what was told to me by the previous customer service agent. He then told me that I should still needed to look for that email and when that email arrives to respond to the email. 

on XX/XX/2022, I sent an email to Venmo Support outlining my ongoing issues and also requesting assistant from them on helping me get my account out of a frozen status. 

As of this filing, I still have not received an email from Venmo, Venmo Support, or a Venmo Specialist to correct my ongoing issue. My account as of XX/XX/2022 is still locked and I am still unable to use my Venmo account. 

Attached you will find email corespondent between myself and Venmo Support in regards the ongoing issue with my account still being frozen, even after their quoted time frame.
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

In XXXX I suffered a XXXX XXXX and then in XXXX I had to have a XXXX XXXX XXXX. This unfortunate event caused me to lose my ability to continue working, and being able to keep up with my mortgage payments. The mortgage Company eventually suggested a Loan Modification which would help me to keep my home. i was very happy with this offer, and was told that as long as I continued to live in my home for at least 7 years I did not have to worry. I continued to pay my mortgage and maintained a good relationship with the Company. I was eventually placed on SSI and despite the hardships I maintained my payments. My home now needs some repairs due to water damage and some updating, removals of mold which affects my health, I do not have funds to do the necessary repairs hence the need to refinance my home. 
i was approved for the refinancing and requested a Pay Off amount for my property, only to be told that I have to pay them 25 % of the equity in my home if I sold or refinanced my home, and also I must pay XXXX XXXXXXXX for an appraisal requested by their company even though I have already paid {$520.00} for an appraisal for the refinance and forward a copy to them. I am totally lost as now I am unable to proceed with the refinancing as I would have no funds to do the repairs after giving the current mortgage 25 % of my equity. I feel I was taken Advantage off because of being in an extremely vulnerable situation at the time this was done. They refuse to send a pay off Please advice and help me to resolve this situation.