davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAMXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NMAE : XXXXXXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX, XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX, # XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A. Section 2 : Also states that a Consumer Reporting Agency can not furnish an 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 ( 7 ) years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a Consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc. (KY)

The problem is that this NATIONAL CREDIT SYSTEM company is duplicating the accounts I have a collection, they do not want to withdraw the accounts, they have duplicates and they just call me, threatening to take money from my account and proceed legally, these accounts were opened fraudulently by a credit company departments that obtained my information and illegally rented to other people in my name, I contacted the departments and they only told me that I had to pay or I would be taken to court, I specified that I had never lived there and that they did not even have my income as to prove income, everything was done under my social security and not verified, in general they took my social and rented to personals illegallyXXXXXXXX XXXX XXXX was the place they used
Consumer complaint received 2022-07-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-02-05
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. (MO)

I spoke with XXXX XXXX in regards to how my accounts were displayed and he advised that the accounts should reflect no reporting data, however, company continues to verify late payments that do not exist with the credit bureaus. The incorrect payment history reflects poor habits that I never created.
Consumer complaint received 2016-04-06
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: National Principal Group, LLC (AL)

They have XXXX different names : NPG, XXXX XXXX XXXX and XXXX. I have a answered several calls from this scam. They say they are gon na have the sheriff serve me with papers at work, then have me arrested, then sue me. These people are the most unprofessional, soulless, rude scammers. When I tried to find out what kind of company this was, I was hung up on, the first time. The second time I was refused a supervisor. The third time I was transferred to someone that called herself a supervisor who still just tried to get personal information from me, when I refused she said good luck in court and hung up the phone. I speak directly to any company I do business with. This so called company needs to be stopped.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

To whom it my concern, I am submitting a complaint about Dovenmuehl mortgage company, taking money from me outside of our mortgage contract and not, after many months being able to explain why.

Dovenmuehl used to service my mortgage but sold my account to XXXX XXXX in XX/XX/2020. 
I was told to start paying XXXX XXXX each month, which I have faithfully done and continue to pay each month. 
I then had a withdrawal in XXXX from Dovenmuehl for {$1600.00} which non of the " supervisors '' can explain. 
I have spent 2-4 hours on the phone 4 times trying to obtain some sort of resolution to no avail. 
I have also been asked to email a bank statement to show the withdrawal which I have now done 3 times. Being told each time that I will be contacted shortly to resolve the issue.

3-4 months go by before I call and ask " what is happening? '' To which I receive the same run around of a story.
Consumer complaint received 2023-03-28
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. (TN)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (MO)

I paid XXXX on XX/XX/2021 for {$160.00} and turn in all my equipment on XX/XX/2021 but on my credit report with XXXX  it still say I still owe for {$280.00} to CBE group which is the collection company that XXXX  sent my account. I contact the CBE group to make them aware that account has been paid off and to remove off credit but it is still showing and also contact Spectrum to make them aware also.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've had several cards with XXXX XXXX and at least three I believe and there were thefts that occurred and they found them in my favor in reverse the charges... Remove it but refuse to remove the delinquencies associated with the theft. They're reporting that I was delinquent and that is not correct as I shouldn't be he'll responsible for paying on charges that were not mine.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've had several cards with Capital One and at least XXXX I believe and there were thefts that occurred and they found them in my favor in reverse the charges... Remove it but refuse to remove the delinquencies associated with the theft. They're reporting that I was delinquent and that is not correct as I shouldn't be he'll responsible for paying on charges that were not mine.
Consumer complaint received 2023-08-18
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: V and H Portfolio (MO)

XXXX Report Number : XXXX Date Generated : XX/XX/2021 Collection Company : VANCE & HUFFMAN LLC Amount Owed : {$320.00} I am not liable for this debt with XXXX XXXX. I do not have a contract with VANCE & HUFFMAN LLC. Neither XXXX nor VANCE & HUFFMAN LLC has provided me with the original contract as I requested.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCE CORPORATION (MO)

One Main Financial currently displays two loans that were opened on the same day, and closed on the same day but different account numbers. I only opened one account with the company but they are reporting two debts to the credit bureaus. When I told them of the error, they stated that they only could view one, but they continue to verify the second account with the major three bureaus.One account shows, settled and the other shows charge-off. Both accounts are approx {$9600.00}.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

2022 my experience theft and reported it upon notice immediately I'm in there have been delinquent payment reportings due to the unaware of the theft. I sent the police report and any other supportive information to XXXX credit card company, and they did find the fraud in my favor but refuse to remove the delinquencies associated with those fraudulent charges. I had to approach a situation and more than one occasion to remove late fees etc. But still to this day I can't get them to remove the delinquencies
Consumer complaint received 2023-08-17
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: LEXISNEXIS (VA)

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.

The letters are stated with items and issues.

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 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (MI)

I had a background check run by XXXX XXXX XXXX. Two additional names appear on my report that are nothing close to my own, and have never been a previous name or legal alias that I have used.
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

XXXX XXXX Cases XXXX & XXXX I Suffered a Major XXXX, In the Current 3-4 years of Medical Recovery, my Sister was assigned my CARETAKER, I Lived with Her My House was 99 % Mainly Vacated. The XXXX XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX who GIFTED The XXXX XXXX XXXX via a TITLE Transfer of Said Property as a INDIVIDUAL GRANT DEED in my unmarried man NAME This real estate documentation have been LEGALLY RECORDED at the XXXX XXXX County Clerk Recorder 's Office of the State of California for the last twenty-one years ... During this time of House Vacancy the XXXX XXXX XXXX XXXX with Other Associates Executed a A CRIMINAL TAKE PROCESSION of my real estate Property via SERVE CIVIL FRAUD for PROFIT.. 
They are ILLEGAL TENANTS, UNDER FRAUDULENT ACTIVITY RENTAL-LEASE agreements and my Single Family House is being ILLEGALLY RENTED-LEASED, AS DUPLEX UNIT .... 
This is also my Brother permanent Place of Residency ... .thank you
Consumer complaint received 2020-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (NJ)

This loan was paid off by my auto loan directly to Td bank. Td bank made an error as If it was past due. They apologized and fixed the error at the time. However, this is still showing as an inquiry. This is not past due, ever in collection etc. loan was paid off in a lump sum on time.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion continues to have XXXX  on account incorrectly. I am attaching the monthly payments. XXXX was not late 5 times. XXXX has been reporting falsely for months and I have contacted XXXX XXXX XXXX  XXXX  which handles Consumer issues and they will investigate the company on these unless this is fixed. They continue to report avail credit incorrectly as well. As reported does not match the statements either. I have paid them over 2600 Attached is all proof. Also Transunion continues to report hard inquiries incorrectly. I have disputed all the ones I did not authorize. I did contact the ones I am disputing most of them do not answer any calls or emails because scams and 3rd party internet predators. I have 6-7 inquiries on XXXX  and XXXX. Transunion is the only one with almost triple amount. These need to removed immediately. These inaccuracies are causing harm and not being removed. Also attached the information as Transunion website will not allow me to dispute online it just goes to attached screenshots and sits there or tells me I have to pay XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (GA)

XXXX my experience theft and reported it upon notice immediately I'm in there have been delinquent payment reportings due to the unaware of the theft. I sent the police report and any other supportive information to Avant credit card company, and they did find the fraud in my favor but refuse to remove the delinquencies associated with those fraudulent charges. I had to approach a situation and more than one occasion to remove late fees etc. But still to this day I can't get them to remove the delinquencies
Consumer complaint received 2023-08-17
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: TRUIST FINANCIAL CORPORATION (AZ)

I disputed my auto loan that was repossessed and charged off with Regional Acceptance. I submitted XXXX finalized divorce decree through XXXX to them that stated my ex husband is to be in charge of the remainder of the debt and Regional Acceptance will still not remove this from my report despite having a copy of a legally binding document.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Army and Air Force Exchange Service (GA)

I have three late payments that were reported to the three bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that I am sincerely begging to have removed. Besides those three late payments I have been on time ever since and have not missed a single payment. I told them the reason I couldn't make the payments on time and told them I was having financial hardship during that time. My wife had just gotten out of the XXXX XXXX and we were in the middle of moving across country from XXXX to XXXX. I had to quit my job since we were moving and it was incredibly hard financially especially with XXXX babies. I have not been late since and have continued to pay on time since then and of course I will continue to do so. I had already contacted XXXX XXXX XXXX with a certified goodwill letter and email and they weren't willing to change the status nor help me.
Consumer complaint received 2022-07-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to EXPERIAN Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking for help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX OF XXXX XXXX XXXX DATE OPENED : XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX  XXXX DATE OPENED XXXX XX/XX/XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (OH)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXXCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

JPMCB CARD XX/XX/2008