davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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)

Patient : XXXX XXXX MBA Account : XXXX I spoke with the Collection Office of Mitchell D Bluhm & Associates on XX/XX/2022 in response to a dunning letter from the firm dated XXXX XXXX. 

I requested the firm provide validation of the account by furnishing documents with my signature, my agreement to pay, and all other pertinent information to verify the accuracy of the claim as is required FDCPA and FCRA. 
A supervisor who gave her name as XXXX refused to provide the information in writing per my request. 

I advised XXXX that reporting inaccurate and derogatory information to any of the three credit major bureaus without providing validation of the account is a violation of the Act. 
In reviewing my credit report today, I saw that Mitchell Blum had reported the account to the credit bureaus. 

In speaking with XXXX in this regard today ( XXXX ) she refused to provide any verification or validation of the account which is again a violation of the FCRA and FDCPA. 
Reporting inaccurate or unverifiable information to the bureaus is a violation.
Consumer complaint received 2022-06-22
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. (IN)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - apr XXXX, XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX, I was alerted by an apartment leasing office agent that a recent credit report of mine, showed that I had a debt of approximately {$260.00} owed to XXXX XXXX. Under this account, services ( by XXXX XXXX ) were provided from XX/XX/XXXX to XX/XX/XXXX at the address : XXXX XXXX XXXX. Apartment B, XXXX, TX XXXX. 

I have never subscribed to services provided by XXXX XXXX, nor am I familiar with the address related to this account. During the time of service ( XX/XX/XXXX through XX/XX/XXXX ), I was living in XXXX XXXX, XXXX  and XXXX XXXX, XXXX The balance due has been in collections since XX/XX/XXXX, though I found out about it yesterday. 

Eventually, XXXX XXXX sold the debt to Transworld Systems INC ( TSI ). The TSI account number related to this debt is XXXX. 

I am concerned that my identity has been stolen in order to open the account with XXXX XXXX. I am also concerned that the debt has negatively impacted my credit score. Please help me resolve this. Thank you.
Consumer complaint received 2022-06-22
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. 
XXXX Account listed on the pdf attach, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-22
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT.

1

5 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON
Consumer complaint received 2022-06-22
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OR)

Chase Ink Business Card from XXXX to XXXX account closed. 
Charges made on purchases were added as cash advances on the account. Which incurred other fees and a higher interest rate. 
Were also being charged for a balance transfer we never made on the account. 
We made a total of about {$2500.00} in cash advances in the last XXXX years all else were strictly normal credit card purchases. 
My wife closed the account about XXXX years ago after they told her the vendors were putting the purchases through as cash advances and refused to fix the problem. 
We now have a balance of about {$10000.00} all of which I was told was all interest and all being charged under the cash advance interest rate. 
Weve called all or most of our vendors and have been told they do not have the option of cash advance when charges are made. We also run a store and do not have that option either. So the only place that could happen would be at Chase. 
Spoke with them for about 2 hours today XX/XX/XXXX with zero resolve. 
Have never had any other credit card company do this, personal or business.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

AT T U Verse sold the account to another company and I hired XXXX XXXX XXXX to resolve the issue IN XXXX. Years ago, I spoke to ATT 's Corporate office and resolved the issue of {$140.00} and change. My God, {$140.00} and change. I have emails from the representative regarding the issues. I'm not sure why the account went to Collections. While working with XXXX XXXX XXXX, this account was resolved and closed, it should have been removed from my credit. As I explained to I C System, I never owed this money and it was resolved. I disputed this with XXXX and it was removed from my credit. Why is this foolishness still on my credit report and has been for months. I've disputed this with XXXX several times, and XXXX refuses to remove. Remove this and I do not owe it.
Consumer complaint received 2022-06-22
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: Santander Consumer USA Holdings Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a handwritten letter to Experian for a dispute of 5 collections that were on my account. In that request I asked them to fully verify the disputed items within 30 days and send me an updated copy of my credit report once the investigation is finished. They only sent me and updated copy of my credit report and said that the accounts were verified with no actual proof of it. On XX/XX/2022, I sent in another letter to Experian for a dispute of the 5 collections that were on my account. In that request I asked if they can provide the original contracts for the items that I previously disputed for, fully verify the items, and to please deleted the account that they can't provide the original contracts for. I received an update about the investigation on XX/XX/2022 and they removed two accounts but it's still three accounts on there with no proof of the original contracts for all five and no updated credit report
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

In 2020 due to the pandemic/covid my account was in deferred payments. As you can see in the attached picture. In XXXX and XXXX my account was marked as " No data '' because is was in deferred. However, due to a bank error. My payment history is showing late payments for XXXX and XXXX. 

WELLSFARGODEALERSVCS Late Payments : XXXX 2020, XX/XX/ 2020 2020
Consumer complaint received 2022-06-22
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: DISCOVER BANK (GA)

There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Discover financial Serv - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding, LLC aka Midland Credit Management is garnishing my wages for a time-barred debt that is no longer legally collectible and has not been legally collectible for some years now. I don't normally print out my paycheck stubs for work. When I did, I see that they are garnishing my wages and have been. Looking at my paycheck stubs, they stopped collecting and started back garnishing again. This illegal practice has now put me in a financial bind. I do not owe them anything and would like all of my monies rightfully returned to me. This company has already threaten me recently with a notification on their correspondence stating, " The law limits how long you can be sued on a debt. because of the age of your debt, we will not sue you for it. If you do not pay the debt, Midland Funding, LLC may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' I interpret it as their company will continue to attempt to illegally collect on monies not owed and continue to negatively affect my credit score and livelihood until I pay.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, I wrote to the credit bureaus and requested an investigation into some items reporting on my credit. Once the initial letter was sent, I waited XXXX days for the results, but nothing was ever verified. At that time, on XX/XX/2022, I requested a re-investigation into those same items since they were still appearing on my credit report. Waited XXXX days again, and the items still appear on my credit report and they have not been verified as required by the FCRA. The accounts in question are as follows : XXXX XXXX XXXX XXXX This was a pay per delete account. 

XXXX XXXX XXXX XXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXX XXXX XXXXXXXX Provide the method of verification to show why this account is reporting as a negative XXXX XXXXXXXX XXXX I have never been late on this account XXXX  XXXX This is a pay per delete account XXXX XXXX XXXX  XXXX I have never been late on this account XXXX XXXX  XXXX I have never been late on this account
Consumer complaint received 2022-06-22
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: Commonwealth Financial Systems, Inc. (FL)

N accordance with the fair credit act XXXX account # XXXX, and 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 without instrcutions 15 U.S.C 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting 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 ) 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 2022-06-22
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: MicroBilt / PRBC (formerly CL Verify) (GA)

There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

Microbilt - XX/XX/XXXX and XX/XX/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
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-22
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: Benuck & Rainey, Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of dentity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-22
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. (OH)

I recently noticed that my credit report contained what looks like a car from XXXX XXXX. This is not my car, period. I also tried reaching out to XXXX - XXXX, XXXX and Equifax- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.
Consumer complaint received 2022-06-22
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. (OH)

I recently noticed that my credit report contained what looks like a car from XXXX XXXX. This is not my car, period. I also tried reaching out to XXXX - Experian, XXXX and XXXX- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on. for 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 XXXX XXXX XXXX XXXX Last reported XX/XX/2022 {$8900.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2022-06-22
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. (TX)

I sent in a letter disputing inaccurate information on my credit report, and they sent a stall letter stating the work was coming from a credit repair company. The thing is It came from me and even if it did I have the right to work with a third party. I send a document basically telling them it is illegal to send this stall letter and they sent it anyways. I will include copies of everything I sent as well as their response. I really do not want to have to file a lawsuit against transunion and or you for doing illegal stuff to consumers. But I am tired of the games and this is exactly why they keep getting sued. I really hope you will step in and make them do their job because that is all I want.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (AZ)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.