davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC (FL)

Please be advised that the following collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, FL XXXX XXXX Reported on my credit bureau the delinquency of an account that already is in the XXXX XXXX XXXX, FL court system. Please find Case # and Docket information below. Not to mention they made numerous attempts to collect on this debt by using scare tactics stating that I needed to contact the law firm handling this matter immediately. They called my cell phone 4xs in a row from phone # XXXX. 

I strongly believe that this is harassment since the law firm which is handling this matter has still not responded to my Motion to Compel Arbitration with the Court. I would be interested in knowing if they are using these tactics as common practice. 

The Law Firm Associated with this matter is the : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Toll Free : XXXX CASE NUMBER : XXXX CASE STYLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CIVIL COVER SHEET Submit Submit 3 XX/XX/XXXX DIFFERENTIATED CASE MANAGEMENT PLAN STANDING ORDER F/B PLT Submit Submit XXXX XX/XX/XXXX SUMMONS ISSUED XXXX ; XXXX ; XXXX AS TO XXXX XXXX XXXX FILED Submit XXXX XXXX XX/XX/XXXX COMPLAINT F/B PLT Submit Submit XXXX XX/XX/XXXX NOTICE OF EMAIL DESIGNATION XXXX XX/XX/XXXX DIVISION ASSIGNMENT AD : Circuit Civil Central - AD ( Civil ) Submit Submit XXXX XX/XX/XXXX XXXX {$410.00} ON RECEIPT XXXX {$410.00} XXXX Fully Paid Submit Submit XXXX XX/XX/XXXX SERVICE RETURNED ( NUMBERED ) VERIFIED RETURN OF SERVICE SUBSTITUTE XXXX XXXX - XX/XX/XXXX Submit Submit XXXX XX/XX/XXXX RESPONSE TO : ALLEGATIONS F/B DFT XXXX XXXX, PRO XXXX ALLEGATIONS F/B DFT XXXX XXXX, PRO XXXX Submit Submit XXXX XX/XX/XXXX NOTICE OF HEARING NOTICE OF VIRTUAL HEARING XX/XX/XXXX XXXX XXXX Submit Submit XXXX XX/XX/XXXX AFFIDAVIT AS TO COSTS AFFIDAVIT OF COSTS XXXX XXXX XXXX Submit Submit XXXX XX/XX/XXXX MOTION FOR SUMMARY JUDGMENT PLAINTIFF 'S MOTION FOR SUMMARY JUDGMENT AS TO XXXX XXXX Submit Submit XXXX XX/XX/XXXX XXXX WITH NON-JURY TRIAL ORDER XXXX XXXX XXXX XX/XX/XXXX Submit Submit XXXX XX/XX/XXXX MOTION TO COMPEL ARBITRATION AND STAY PROCEEDINGS ( F/B DFT ) Your help in this matter would be greatly appreciated. XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I have a business checking account with Chase Bank. My client paid me via JPMorgan Chase/WePay merchant services which came with the business checking account. In XX/XX/2023, my client paid me {$300.00} ( X3 ) for services rendered totaling {$900.00}. Chase Bank/WePay Merchant Services put the funds on hold for 120 days. I am being told the funds will not be released until XX/XX/2023. We were never notified the funds were placed on hold or given an explanation until I reached out to my client for payment. My client stated that the funds were deducted from their account already and paid to to my bank account. I called JP Morgan Chase/WePay merchant services and was notified that the merchant account only had been closed. The representative at JP Morgan Chase/WePay merchant services stated I could file an appeal to get the account reopened and possibly get the funds released. After filing an appeal, the appeal was denied and JP Morgan Chase/WePay merchant services still has the funds that were paid to my company. After calling WePay Merchant Services multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023 and many other times, I reached out to JP Morgan Chase executive office and was informed the same thing, they are unable to release funds until XX/XX/2023. The business checking account account is less than 60 days old, and there are no charges that would create a charge back that could not be covered. This has put my business in jeopardy and has created a downward spiral that I may not be able to recover from. The bank is holding my {$900.00} for 4 months and I would like to have my funds released.
Consumer complaint received 2023-05-23
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: LCB Rent Reporting Ltd. (CA)

The landlord Credit Bureau received information from XXXX XXXX on a property in XXXX California least by my fiance at the time. My fiance signed a lease and agreed to a credit check with this man. I did not agree to anything either verbally or written. I am not on the lease. This man went to the credit bureau with no evidence and lowered my credit score by XXXX points. This is outrageous that a citizen can arbitrarily lower another person 's credit score at will. I feel my civil rights have been violated and these people need to answer for it.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-26
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

CREDITONEBNK Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-26
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. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 
XXXX 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 15 U.S.C 1681 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 a account without my written instructions.

15 U.S.V 1681c ( a ) ( 5 ) states- no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached documentation showing that the credit reporting agencies are violating my consumer rights, by reporting INACCURATE late payments on my report. Please see attached ; accounts are reporting XXXX late in a 30 day time frame. Which is XXXX percent inaccurate.
Consumer complaint received 2024-06-26
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. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I XXXX XXXX, is asking for verification, and validation from this collect agency about this account that i have no knowledge of during business with or sign any documents with.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report.I was shocked to learn that I have been a victim of identity theft.I found number accounts on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family .Please remove the fraudulent accounts from my credit report soon as possible.
Consumer complaint received 2023-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and XXXX, Transunion and XXXX destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.
Consumer complaint received 2024-06-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE PREVIOUSLY DISPUTED BANKRUPTCY XXXX WITH XXXX, Transunion, and XXXX. IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT.

I CONTACTED THE COURT. AND THEIR RESPONSE IS THEY DO NOT REPORT OR VERIFY INFORMATION WITH THE CREDIT BUREAUS.

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE.

EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently reviewing my TransUnion credit report and there is an address reporting on my credit report that I would like to have deleted. I've never lived at this address. 
Below is the address that I would like permanently deleted from my TransUnion Credit Report : XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2023-09-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage kept sending me advertisements to access equity in my home- I don't want to access equity in my home nor will I be selling my property to the investors behind XXXX. I checked my payment history and it is all over the place. They reversed payments, then reapplied payments. I purchased my home using my VA loan back in 2018 and the balance is way higher than it was when I had a loan with XXXX - something is not right. 

XXXX  : XXXX XXXX XXXX XXXX and all it's affiliates are to cease and desist with their XXXX XXXX campaign under XXXX XXXX XXXX and stop targeting my property and attacking my finances. I am a Veteran and what has been done over the years is illegal, immoral and unconstitutional.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-26
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 am writing to request the immediate removal of an account that has been incorrectly reported on my credit history. This is the third time I am compelled to contact Transunion to resolve this matter, which I find unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) .The account in question, reported by Transunion , contains incorrect information that negatively impacts my credit score. Below are the discrepancies identified : 1 ; Inaccuracy of Information : The account reports an outstanding balance that does not reflect reality. 
2 ; Lack of Authorization for Publication : I have never explicitly authorized Transunion to publish this account on my credit report. This action is not only inappropriate but also illegal under FCRA regulations. 
3 ; Continued Damage : The incorrect information has resulted in credit denials and has severely affected my financial situation. Despite previous attempts to correct it, the erroneous information remains on my report XXXX XXXX : XXXX : XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This account was included in my XXXX XXXX XXXX conversion but they have refused to fix the balance on my credit report instead they have continued to report a balance. This has hurt my credit and needs to be rectified.