davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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. (TX)

in accordance with the fair credit reporting and XXXX  account # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-06-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc. (TX)

To whom it may concern, I am providing your company an explanation of various reasons for which that your company requested to this disputed debt. Please be advised this response is very imperative to why I refuse to pay this alleged debt. Notice according to the FDCRA there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many collectors. Therefore, Im requesting your company PDM to provide me with valid sufficient document of a prior consent given directly from me or permission from a competent judicial court of a initial communication or court order of this disputed debt pursuant to 15 USC 1692c. Please be advised the previous documents I received via mail were falsely represented and unapproved by any court or agency of the United States. Notwithstanding proof shown of deceptive representation of such Employment Verification Form with another business name to obtain information concerning me is illegal. Furthermore, your false misrepresentation as if your company are debt collectors employed by a consumer reporting agency is proof of abusive and unfair debt collection practices pursuant to the FDCRA. 
Your company have used my identity to furnish deceptive means on my consumer report not excluding invasion of my privacy for which was never permitted by law. However, your company are aware of FDCRA of such violations and extortionate means to coerce a payment of this alleged debt is inevitable of a prosecution to be fined or imprisoned not more than 20 years pursuant to 18 USC 894. Due to your company continuously manipulation from refraining of such violations. I am prepared as a law-abiding citizen to push forward the consequences of your company or any employee that makes it impossible to redress this problem of this account. 
Please advised Im requesting your cease of all communications and termination of this deceptive account furnished on my consumer report. If your company disagrees, I request that your company provide me with valid authorized documentation by any court or agency of United States notarized with signatures and specific dates of this action. And record of names thats provided of signatures on previous files shown as supporting documentation.
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2022 i sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION (MI)

accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX  XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Consumer complaint received 2022-06-26
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 reached out to all three credit reporting agency one agency XXXX fixed everything after a true and thorough investigation with my last compliant but experian and XXXX didnt however they still have inaccuracies and fraudulent accounts reporting under my name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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. (NJ)

In accordance with the Fair Credit Reporting Act These Accounts ; HAVE VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  XXXXXXXX XXXX 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 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. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Consumer complaint received 2022-06-26
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( {$3100.00} collection ) and 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 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-26
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. (CA)

I am writing in accordance with the Fair credit reporting act XXXX  Account #, 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 consent / instructions. 
XXXX XXXX # -- XXXX XXXX XXXXXXXX XXXX # -- XXXX XXXX XXXX # -- XXXX XXXXDept/ED # XXXX -- XXXX XXXX # -- XXXX XXXX XXXX XXXX # -- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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. (SC)

In accordance with the Fair Credit Act, XXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX Bank account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 I paid my Capital one credit card completely off by selling my cryptocurrency ( XXXX ) from the XXXX app. when I sold my XXXX it automatically converts to American US dollars. The total amount was {$530.00} I did a ACH withdraw. XXXX has an ACH account number AND routing number. Capital one received my payment then locks my card AND account because they want to verify where my payment came from. Capital one said they wanted to see a documentation from XXXX XXXX XXXX XXXX STATEMENT with my name and matching account number. I stated to them over NUMEROUS phone calls that I do not have an account with XXXX XXXX XXXX and that Robinhood is BACKED by XXXX XXXX XXXX. I have called our a HANDFUL of a dozen times to clear this situation up, but still insist on seeing a bank statement from chase in order to unlock my account. Capital One took the payment and it did not bounce it back!! I should not have to show proof of where the funds are sourced. If there was any conspiracy as to where my funds were sourced from, they could have kicked back my payment and not accepted it, but they didnt. its been 4+ months already!!! I WILL be going to the FDIC, the FTC, and the Office of the Controller. 
CAPITAL ONE HAS BULLIED ME, and IMPACTED MY CREDIT SCORE that I have standing with each CREDIT Bureaus! I've lost over 100+ points to my FICO SCORE WHICH WILL HAVE LONG TERM IMPACTS TO MY LIFE FINANCIALLY and to my FUTURE EMPLOYMENT as ones FICO score is used for many items outside of goods & services.
Consumer complaint received 2022-06-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

On XXXX I issued a Letter of DIspute to XXXX, Experian, and XXXX via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, XXXX had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. XXXX did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. It is without a doubt that XXXX, Experian, and XXXX are certain of these laws which they must abide by, however this case is a prime example of XXXX 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. I will attempt to yet again contact XXXX, Experian, and XXXX via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that XXXX will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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)

n accordance with the Fair credit Reporting Act XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that i have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a concumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-26
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX # XXXXXXXX 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 2022-06-26
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. (IL)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX  Account # 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 15 U.S.C 1666B : 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 2022-06-25
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: EQUIFAX, INC. (FL)

There are three accounts on my credit profile that were unauthorized. They are from the same collector ; all have different accounts reporting to all three-credit bureaus and all have the same amount reporting. I reached out to the company for them to provide me with identity verification and an original contract with a wet signature from me. They could not furnish this information. I have demanded that they removed it from my credit report being that the information could not be furnished, and the account is listed as a charge off. 

company name : XXXX account numbers : XXXX ; XXXX : XXXX
Consumer complaint received 2022-06-25
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. (PA)

Experian and XXXX XXXX XXXX did not verify or even work in good faith to resolve the issue. Both companies fails to provide accurate reporting of the collection account wrongly reported on my credit profile. Company claims it was verified simply cause they have a form with allegedly my name and info on it. Fact of the matter is XXXX XXXX XXXX has not provided witnesses, photos, videos are anything show definitive proof of who asked for set up or made the account in question. Time frame they are reporting I was living XXXX miles away. 

On the other hand Experian colluded with XXXX credit to allow faulty information on my profile without it being verified fairly and accurately. Company simply throws up their hands and says well we just report what the XXXX agency reports regardless of if accurate or not. My proof or says is not taken into account it is just simply thrown to the side. 

The reporting process is crooked and stacked against the defending party. Anywhere else its innocent till proven guilty but here its they can falsely accuse with damaging consequences to some who is being wronged already. This account appears to be XXXX years old and coming out of no where at this time. They are reporting it as a new account opened XXXX of 2022
Consumer complaint received 2022-06-25
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. (TX)

I sent a letter off on approximately XX/XX/XXXX XXXX my tracking numbers are XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-06-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

In XXXX of XXXX I applied for a FHA home loan with JPMCB JP MORGAN CHASE BANK. In XX/XX/2021 I finally heard from them. After waiting several of months to get back to me, they proceeded to run my credit and told me I did not qualify for any loan even before my credit was ran. I asked about the fha and fhaXXXXk programs that would have catered to me but was denied without an explanation. I did not receive a letter for reasoning but it was placed on my credit report without my expressed permission. In fact, I strictly asked them not to place it on my credit report if we werent going to have a relationship on this subject. This damaged my score and hurt my financial profile greatly. This was a violation of my consumer rights, as you know it is illegal to cause an adverse action because of a mortgage and/or trade line based on credit score or insufficient income per 12 usc 202.9 its illegal to give vague reasoning and not notify the consumer of reasoning behind denial per TILA, FCRA, and ECOA. When asked to remove the trade line off of my consumer reports, I was denied and had to hash it out with the bureaus which are truly just credit reporting agencies.
Consumer complaint received 2022-06-25
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. (FL)

There are XXXX accounts on my credit profile that were unauthorized. They are from the same collector ; all have different accounts reporting to all three-credit bureaus and all have the same amount reporting. I reached out to the company for them to provide me with identity verification and an original contract with a wet signature from me. They could not furnish this information. I have demanded that they removed it from my credit report being that the information could not be furnished, and the account is listed as a charge off. 

company name : XXXX account numbers : XXXX ; XXXX : XXXX
Consumer complaint received 2022-06-25
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. (NC)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number 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