davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (GA)

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions.
Consumer complaint received 2022-10-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I received a letter in the mail from a company called The Law Offices of Mitchell D. Bluhm & Associates , LLC. The letter is dated XXXX XXXX and describes a debt that is attempting to be collected from dates of service XXXX and XXXX with a company named XXXX XXXX at XXXX XXXX in XXXX, AZ. I am a very financially responsible and organized individual who pays any bills owed as soon as possible and have incredible credit history with no overdue bills in my life. I never received a bill from XXXX XXXX back in XXXX  and this is the first that I am hearing about this outstanding debt. I spoke with a woman at The Law Offices of Mitchell D. Bluhm & Associates , LLC this morning ( XXXX ) and she told me that I can dispute the claim if I'd like ( for the amount of {$210.00} ), but that my credit will still be hit on XXXX regardless. Her solution was to file a police report if I don't believe that the debt was mine. I next called XXXX XXXX 's billing department and spoke with a woman there the same morning ( XXXX ) and she stated that I have no outstanding balance with them and that it shows that everything was paid in full by my insurance from those dates. She mentioned that they use another company for their imaging and that I should try getting in touch with XXXX XXXX to see why they sent me to collections without ever sending me a bill. I tried contacting XXXX Partners on XXXX and after several minutes of the phone ringing, my call was disconnected. I researched both XXXX XXXX and the Law Offices of Mitchell D. Bluhm & Associates , LLC, and I read several XXXX reviews and complaints with the XXXX  which state very similar situations to mine. It seems many people have received notices from this debt collection company for dates of service from over 2 years ago and had not received any notices of outstanding bills prior to hearing from the collection company.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

ON XX/XX/2022, I ordered 2 items for XXXX from walmart.com received one, and requested that Walmart send proof of delivery for the one that wasn't received.

to date, 9 months later Walmart hasn't complied with my request. after my continous request for the proof of their said delivery. the total sum of the balance was paid after they threaten collections.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I have been attempting to validate suspicious activity on my credit report. In the process of doing this, I submitted XXXX request for debt validation XX/XX/XXXX & XX/XX/XXXX to Enhanced Recovery LLC for a collection from " XXXX '' the amount of {$780.00} and requested they only contact me by mail. The only response provided from the debt buyer were invoices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have been unable to provide me with the original contract, account history, and other documents requested. This company, which I hold no contract with, nor have recovered services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. They have failed to provide me with adequate proof and I am not obligated to pay for this alleged debt.
Consumer complaint received 2022-10-12
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. (PA)

I have reached out to this company to do a proper investigation of everything on my credit report and they did and stated everything was accurate. However, I did a thorough research and i found improper inaccuracies on my credit report even after they did a research on my credit report. 

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****** Department of ED XXXX XXXX XXXX XXXX ********* XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC1681 section 604 A Section 2 : It also states a consumer reporting agency cany furnish an account with my written instructions Here is a kicker : 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES The consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

It is to the law understanding that a late payment is a transaction and credit utilization is an experience information on your credit report when the law clearly states that its not included on a consumer report.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX Number : XXXX XXXX XXXX & XXXX : Number : XXXX
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I was reviewing my Credit Report and noticed some Hard Inquiries that I do not recognize. Can you please remove these from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: Convergent Resources, Inc. (MI)

This is not my account. This is a formal complaint that Convergent Outscoring & XXXX have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The information must be deleted from my report as soon as possible. I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


XXXX XXXX XXXXXXXX - {$45000.00} XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-05
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. (GA)

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$3200.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They then closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/21 and XX/XX/21 and have notified the credit bureaus. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (CA)

td auto is reporting a charged off loan for XXXX, XXXX on my credit report, td auto sued me without proper notice this was during covid 19 time i never got summed or nothing im hiring a fcra lawyer to help me take td auto to court for doing a automatic judgement. 

so the balance on td auto should be XXXX not XXXX once we go to court we can see what we can up too i might have to file bankruptcy depening on what laywer says
Consumer complaint received 2021-10-17
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: Chime Financial Inc (LA)

CHIME I spent {$16.00} at the gas station today at around XXXX CST ( the same gas station I use 2-3x per week, and the same method of pymt ) and now I have a {$75.00} hold on my Chime account and have no way of recovering my funds. Chime customer service makes you hold the line for almost an hour ( same amount of time when trying to use the chat feature ) just to tell you a memorized statement claiming that they are aware of the issue. There are posts all over the internet and also customers are complaining to chime from their XXXX account and nothing has been accomplished. People are not able to use their Chime cards even with funds showing available. Some can't use the ATM, some are missing deposits, and some are complaining about a large amount of customers ' money being withheld after getting gas. I need my money back ASAP.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MI)

This issue is in regards to my Chase Bank Credit cards. I have two of them and am having the same issue with both. I have been sending in payments to Chase Bank for the past YEAR, and they have failed to properly apply my payments to the accounts to settle the balance and are knowingly and negligently ignoring my payments while wrongfully reporting to the credit reporting agencies of high balances that should not be since I have submitted payments in full via the payment coupons ( bill of exchange ), that they LIE about stating that they are not a valid form of payment in USD. Each correspondence I have from them after disputing with them back and forth for several months going back and forth with Chase Bank they have always referred to their Cardmember Agreement ( CMA ). Their CMA does not supersede federal law. Furthermore, being that they have access to my social security number, they have a fiduciary obligation unto me as the trustee of these accounts, and myself as the beneficiary. However, there has been a breach of contract because they have been acting in the capacity that only I can act in as I am the one that extended MY credit to establish these accounts. I have done everything that I possibly can as far as sending letters and payments via certified mail as proof. I have sent in power of attorney forms to take ownership over the accounts and they still ignored that. Every payment that I have sent in to Chase bank has been completely ignored but they have kept every single instrument ( never once sent any of them back ), but never applied any of those payments. I am owed equal value and consideration for every single one of those payments as they are bills of exchange that can be converted into the equal dollar amount on them pursuant to the bill of exchange act. Chase Bank needs to be audited for their fraudulent and deceptive business practices and the way they deceive innocent consumers.
Consumer complaint received 2021-10-17
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: ALCHRO INC. (FL)

XXXX XXXX I mailed a certified dispute letter to FIRST FED CREDIT & COL and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNIVERSAL COLLECTION SYSTEMS, INC (CA)

On XX/XX/2022 I filed a complaint that detailed the debt collectors attempt to collect on a debt that was bogus and attempting to collect damages without a court judgment. 
Complaint No : XXXX. The company responded to CFPB stating they would respond to my complaint directly to me by mail. As of XX/XX/2022 the debt collector has failed to contact me either by mail or by phone. The debt is still active on my credit file.
Consumer complaint received 2024-10-11
Product: Credit reporting 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)

Recently i did an investigation on my credit report and I found several items to be inaccurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : states 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 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 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

incorrect personal information names XXXX XXXX XXXX XXXX XXXX XXXX XXXX address 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 Employments XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FISERV INC. (MA)

On XXXX I tried to use my credit card and it was turned off. I called and found that there were 4 charges that I didn't make. The company flagged this and shut off the card. Two of the charges were pending and the company denied them. Two of the charges, however, they let go through. The charges were dated XXXX for {$100.00} each. There were two identical charges. I disputed those two charges and on XX/XX/XXXX received a denial letter from them stating that the merchant provided " compelling evidence which included your name, address, and phone number. '' I called the merchant and they had no record of my name, address or phone number. I called the card company back and requested the documentation they relied on in making their decision and was told that it would be mailed in ten days. They supposedly sent it out on XX/XX/XXXX. I never received it. I called again on XXXX and they requested the documents be mailed again. The were supposedly mailed to me on XXXX and as of XX/XX/XXXX have not received them. I'm told the fraud department does not take phone calls. They will not email the information to me. There is no way for anyone to tell me verbally what information they had on file. The only thing the can do is request the documentation again. This has been over a month and I am still getting a run around with them. They told me I could send another letter, but without knowing what they used to rely on, I feel that's a waste of time. Hopefully you can help resolve this? They were two charges I did not make or authorize. They were for gift cards that were emailed to someone using my card and nobody can provide any information about anything.
Consumer complaint received 2024-09-04
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)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2021-08-10
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. (GA)

Hi, I've mailed multiple letters to Transunion disputing an inaccurate account on my credit report. I've pointed out these inaccuracies and this bureau continues to allow this inaccurate information to be reported on my account. The account that they are reporting is an old auto loan, they are reporting that I'm 120 days late when I am not in possession of the car. The open date, last date active, account type, and payment status are reporting incorrectly and are a violation of my rights. I have attached a copy of my credit report highly these errors.