davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX YOU BROKE THE LAW!!! 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute After recently reviewing my credit report, I noticed several inconsistencies regarding the account XXXX XXXX XXXX ( XXXX ). The payment history and name section are reporting differently to XXXX, Equifax, and XXXX. You have violated my consumer rights. 
XXXX is reporting on time payments for XXXX, XXXX, and XXXX of XXXX, then I voluntarily surrendered XXXX of XXXX. Equifax is reporting on time payments for XXXX, XXXX, XXXX, and XXXX of XXXX. Its reporting 30 days late for XXXX XXXX, 60 days late XX/XX/2021 and 90 days late XX/XX/2021. In XX/XX/2021 its reporting 120 days late and in XXXX its reports payments 120+ days late. Followed by another on time payment in XX/XX/2021, then another 120+ days late in XX/XX/2021. XXXX is reporting that I have no payment history. 
There are also inconsistencies in the name thats reporting to the different credit bureaus. XXXX and XXXX are reporting that it is XXXX XXXX is the account name. While Equifax is reporting that the account name is XXXX. Pursuant 15 USC 168b ( a ) ( 2 ) I never gave written consent to you to furnish anything on my consumer profile and you have violated my rights to privacy. 
These accounts appear to be furnished by the same creditor, so why is the provided data different thats reporting to the credit bureaus. It is your duty to ensure that all information that is reported is consistent and most importantly accurate and you have failed to do so. Pursuant 15 USC 1611 false and inaccurate information willing and knowing. The CFPB will get a copy is this dispute as well. These inaccuracies have damaged my reputations with banks causing me hardships I wish that these inaccuracies be deleted immediately because banks and financial intuitions are reliant on fair and accurate reporting. Pursuant 18 USC 8 if such alleged does exists it is the obligations of the United States. I hope that you guys respect my consumer rights without prejudice
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (AZ)

My wife and I were living in the XXXX apartments in XXXX Arizona. We had a neighbor try and break in, and when we caught them and of course confronted them, they threatened us and made livelong there miserable. We spoke with the office ( XXXX and XXXX from the company XXXX XXXX  ) and they got us in touch with their manager XXXX. He agreed to allow us to break our lease free of charge for everything we had been through as the office staff did nothing but tell the neighbors that we were reporting them this making everything worse. 

As of XX/XX/2021 a charge hits my credit in the amount of {$1200.00} .... Seriously {$1200.00}... 

We were told that there would be no charges, and upon confronting XXXX about this he immediately changed his story. I even sent him emails showing him where he stated this ( sadly they are too old and I would have to do some serious digging to find those again ) I tried disputing this with XXXX XXXX  only to find out they no longer even own XXXX. 

This is a fraudulent charge, we have reported the living conditions to the XXXX  and to the city of XXXX ( which to be honest I do believe played a part in XXXX losing XXXX ) however this fraudulent charge is making it very hard to get to live anywhere because of this fraud. Also I don't know if this is relevant, however the man XXXX in the front office if XXXX XXXX harassed my wife, we reported it and nothing got done. 

We have explored all options, even tried contacting them and that's a dead end street, please help!
Consumer complaint received 2022-05-31
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Company name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX O Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired XX/XX/XXXX XXXX  XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/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 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My second mortgage with XXXX XXXX XXXX was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our XXXX  XXXX XXXX account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my XXXX   account and it shows that there is a XXXX  XXXX XXXX charge off listed with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with XXXX XXXX XXXX that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for XXXX  XXXX XXXX to show the settlement amount and the balance.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX BANK ACCOUNT NUMBER XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rightXXXX XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX, US BANKRUPTCY COURT ID NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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 2022-05-31
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rightsXXXX XXXX XXXX XXXXXXXX  XXXX account number XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXXXXXX XXXX  account number XXXX, XXXX XXXXXXXX XXXX  XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX, US BANKRUPTCY COURT ID NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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 2022-05-31
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. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # : XXXX, # 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
Consumer complaint received 2022-05-31
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # : XXXX, # 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
Consumer complaint received 2022-05-31
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, has viol ated my rights. 


15 U.S.C 1681 section602 A. States i have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Evergreen Financial Services Inc. (WA)

I have a few accounts that have been placed for collections with Evergreen Financial Services. Of those a few of them have been collected via separate writs of garnishment. I recently went to court to have a newer debt that was placed with them validated by the court and was told that I could set up payments for the amount owed. Before I knew it there was a garnishment of my paycheck happening and without a new writ of garnishment. I asaked my payroll department and they forwarded me a document that shows that the writ is a continuation of a writ, but this debt had never been a garnishment to begin with. This made me and payroll think that they were using an old order for a garnishment to withhold on this new debt.
Consumer complaint received 2022-11-07
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. (MA)

Clarify Services didnt have permissible purpose or written authorization to pull my consumer report for any reason on XXXX, XXXX 2021. This inquiry is unauthorized. I dont give anyone from Clarity Services or XXXX XXXX XXXX to pull my consumer report. Under the FCRA requirements permissible purpose 1681b allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : ( 1 ) in response to a court order or Federal Grand subpoena, ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Clarify Services didnt have either or the above mentioned requirements to pull my consumer report. I have attached my Affidavit of Truth with this dispute.
Consumer complaint received 2016-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CAINE & WEINER COMPANY, INC. (TN)

Frequently called asking for the contact info for my " legal counsel ''. Have not responded to my multiple requests for detailed documentation that I owe this debt. Have continued to call and leave threatening and vulgar messages even when I requested they not.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (FL)

I received a letter from my prior mortgage servicer at the beginning of XXXX that Freedom Mortgage Corporation had assumed my loan. Despite repeated calls to them and promises that I would receive a " welcome '' letter and documentation, I have never received anything from this company. It took me over a month to get my loan number so I could make a mortgage payment ; but I still don't have anything from them to prove they are actually servicing my loan.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (AZ)

My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with police relating to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX Inquiry : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing 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 any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-05-31
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. (CA)

1. IXXXX  XXXX XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 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 2XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 3. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 4. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 5XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 2022-05-31
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. (CA)

1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 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 2. IXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 3. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 4. XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX Please BLOCK this account from credit report 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 5.XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 2024-04-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc. (IL)

my identity was used without my consent as well as used without my consent to make payments for this particular account. I Have had no knowledge of this account being registered with my social security until year 2024, i will like to receive proof of my web signature giving consent for this account. I XXXX XXXX, coming forward today to have a collection loan removed from my report. I did not give consent to, I am a victim of Identification Theft.
Consumer complaint received 2022-05-31
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. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # : XXXX, # 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
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (WA)

Per case XXXX XXXX XXXX did issue a card, but they issued it to the wrong name. I called in and spoke with XXXX on XX/XX/2023 at XXXX PT ( case id XXXX ) who cancelled and reissued the card to the correct name, we both spelled it out on the phone phonetically. 

Today two new cards arrived, one for my self though a new card was never requested for my self. The second card also again arrived in the wrong name.

The card is still unusable as it has been issued twice in the wrong name.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

Tide water credit. XXXX XXXX XXXX in recovery department knows of her employee taking a payment on my account and refusing to reimburse me for NSF and adjust the account since it was their error. XXXX XXXX all she does is shout and tells me basically I 'm a liar without any resolution. The account was forward to attorney office which I explain to attorney and requested for me to put in writing. I requested as part of the account being resolve to have them delete this account they agreed. today the account is showing past due with a balance, charged off and late late payments. I tried to resolve this account today with XXXX XXXX again got her rude team members XXXX and XXXX believe name refuse at first to transfer me to a supervisor and I was told to calm my attitude down. XXXX XXXX came to the phone and I advise her after basically she called me a liar that I was going to file a lawsuit she stated good all are calls are recorded. I asked for the reps name who took the payment from me 2 years ago what her name was she refused to give it to Me, all she kept saying was thats not how it went.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (FL)

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP