davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
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. (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, 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. 

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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (TX)

Chime : I received multiple emails asking me to verify my address due to a debit card being sent there. The address is like XXXX yrs and XXXX residences old. Then they send an email asking you to set up a direct deposit and link your account, as if you have an active, real account under your authority. You then spend the next few days trying to get ahold of a nonexistent XXXX customer service rep, to find out if its a phishing email, or someone actually stole your identity. You have to say dispute a charge to get a real person, who then tells you they can't help you unless you send your drivers license and SS # to them via email.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2022 I dispute this debt to Portfolio Recovery and also ask for debt validation. I also request to provide verification of the amount they said, I owe. They did not provide me with the original credit application as I ask. 
Portfolio Recovery respond back that they had completed our investigation of your dispute concerning this account.

Portfolio Recovery never did a proper investigation, In accordance with Fair Credit Reporting everything has to be 100 % accurate on my credit report, how is that possible if the date open is inaccurate, last report date, date last active? 
They also violated the law because according to 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 an account without my written instructions, I did not give anybody written instructions.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (IL)

XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

DOSCOVER IS FRAUDULENTLY REPORTING THAT MY ACCOUNT IS OPEN AND LATE. THIS ACCOUNT IS CLOSED AND WAS SETTLED OVER 4 YEARS AGO. HOW CAN I BE LATE MAKING A PAYMENT WHEN THE ACCOUNT IS CLOSED AND WHERE IS IT LEGAL TO REPORT TO XXXX  XXXX  XXXX XXXX WHEN THE ACCOUNT IS CLOSED. THERE NOWAY I COULD BE LATE. DISCOVERED REPORTED XX/XX/2020 THAT IAM LATE ON A CLOSED ACCOUNT. THIS IS ILLEGAL
Consumer complaint received 2018-12-22
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 (CA)

I had fraud committed against me and reported it to Discover, XXXX and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
Consumer complaint received 2022-04-13
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. (GA)

On XX/XX/2022, I sent certified letters to dispute charge-offs on XXXX, Experian, and XXXX credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company contacted me by phone we ended with payment agreement paying {$62.00} dollars monthly they never told me they were a collection agency i thought i was paying the XXXX XXXX XXXX, after rweviwing my credit i foun it was a collection by then i called and the amount due was {$140.00} paid in full onXX/XX/XXXX by credit card XXXX XXXX Confirmation number XXXX they never send the letter paid in full as agree, i send a dispute to all three bureus to remove this information from my credit
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

Was contacted by Law Offices of Mitchell Bluhm on or around XX/XX/2023 about a debt that I supposedly owed XXXX Physician 's group. I asked they send me a letter to verify this debt was mine. They said I would receive it within a month, I did not receive any documents from them. Offered to pay debt in full if they could tell me the physicians name, they refused and claimed they did not have the information. 
Contacted again, XX/XX/2023 ( today ), I told them that I called XXXX and they said I did not have any debts to their organization and I would not speak with them and they would have to contact my lawyer. There is a chance it it just taking them a longer time to verify, but they are not being cooperative and at this point it seems highly likely like a refusal to verify the debt in a timely manner. 

Collection Agent : Law Offices of Mitchell D Bluhm & Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (MD)

Vance & Huffman is attempting to collect a debt on behalf of XXXX XXXX XXXX in the amount of XXXX dollars that i do not owe this is the 2nd debt collection agency that has attempted to collect on their behalf the first attempt was removed because i do not owe the alleged amount. I requested Verification of the alleged debt and they provided me a check that i do recognize, however i never physically cashed the check it stated for XXXX mobile deposit only which was scratched off the back of the check under the signature line. I have never cashed a check at XXXX XXXX XXXX EVER and no payment will be made on my behalf i am also welling to take legal action if need be.
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CT)

On XX/XX/XXXX I signed a lease agreement with XXXX XXXX XXXX. This new lease included a change to my monthly rent, which was fully executed on XX/XX/XXXX. 

On XX/XX/XXXX, all residents receive notice that the ownership of the apartments is being transferred to a new company. Payments at this time are stopped while the new management is setting up their payment system. 

On XX/XX/XXXX, the new apartment management informs me they are moving me out of my apartment and into a different one. I did not have a choice in which apartment they moved me into. The move is completed on XX/XX/XXXX by the apartment management, without providing me any time to document the state of the apartment before I moved into it. 

Some time in XXXXXXXX XXXX  XXXX the new apartment management finishes setting up their payment portal, and I notice my rent is incorrect. They carried over my rent from my old, unrenewed lease to their system. It takes months of fighting with them to get this addressed. 

Throughout my lease, there are many modified fees and charges that are applied that were not agreed upon in my signed and executed lease with the previous apartment management. 

At the end of the lease in XX/XX/XXXX, the new apartment management assesses cleaning fees that were not agreed upon in my executed lease. In addition, there are repair charges for items that were not damaged during my occupancy. I requested information from the apartment for proof that the claimed damages did not exist prior to my occupancy, and the apartment management never responds. I continue contacting them until XXXXXXXX XXXX XXXXXXXX, when it was clear that they would continue to not respond to any of my attempts to contact them. 

In XXXX, the apartment management sent the account to a debt collector along with an unsigned lease that I have never seen before as their proof that I owe the amount that they claim. 

I received notice of this debt via e-mail from the debt collector in XXXXXXXX XXXX XXXXXXXX. I immediately send a letter requesting validation of this debt, as I have never agreed to pay it. As of now, the debt collector has not responded. 

Some time near XXXXXXXX XXXX XXXXXXXX, the debt collector provides notice to the credit bureaus of an account in collections, despite having no proof whatsoever that I have agreed to pay the amount posted.
Consumer complaint received 2022-04-13
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. (GA)

On XX/XX/2022, I sent certified letters to dispute charge-offs on Equifax, XXXX, and XXXX credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.
Consumer complaint received 2017-03-29
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Global Asset Management Group, Inc. (CA)

I HAVE HAD GREATER FINANCIAL GROUP/ MS. XXXX, CALLING ME AS WELL AS FRIENDS, FAMILY AND MY EMPLOYER GIVING PERSONAL INFORMATION AND DEMANDING A CALL. I PHONED HER AND SHE MADE NUMEROUS THREATS TO " EXPOSE ME '' TO ALL WHO KNOW ME AFTER RAMBLING OFF MY CREDIT REPORT. SHE DEMANDED ALMOST {$5000.00} FROM ME FOR A DEBT THAT IS NOT MINE. SHE REFUSED ME ANY INFORMATION ON THE DEBT STATING THAT " YOU 'VE FILED BANKRUPTCY IN THE PAST SO YOU 'RE TOAST '' AND SAYING SHE WAS GOING TO " WIPE THE FLOOR WITH YOU '' WHEN I CONTINUED TO ASK QUESTIONS. I CAN NOT CONTACT THIS COMPANY BY MAIL AS SHE REFUSES TO GIVE ME THEIR INFO AND I CAN NOT FIND ANY INFO ON THEM.
Consumer complaint received 2018-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

I AM BEING HOUNDED BY PUGET SOUND COLLECTIONS FOR 11 DEBTS I AM NOT LIABLE FOR. I WAS A PATIENT IN A COUPLE OF HOSPITALS OWNED BY XXXX XXXX XXXX. I AM A XXXX XXXX  XXXX VETERAN. THE CHARGES INCURRED WERE PAID BY THE DEPT. OF VETERANS AFFAIRS. THE HOSPITAL SHOULD KNOW THAT THE AMOUNT ACCEPTED AS PAYMENT IS CONSIDERED " PAID IN FULL ''. THE VETERAN IS NOT LIABLE OR CAN NOT BE BILLED FOR ANY OUTSTANDING BALANCE. IF XXXX CAN NOT COLLECT THE BALANCES FROM THE VETERAN, THEY TURN THE AMOUNTS OVER FOR COLLECTION TO PUGET SOUND COLLECTIONS. I HAVE SENT THE COLLECTION AGENCY LETTERS, I HAVE CALLED, THE DEPT OF VETERANS AFFAIRS HAS CALLED AND THEY REFUSE TO REMOVE THESE FROM MY CREDIT REPORTS. THEY EVEN SHOW ONE DEBT OF {$420.00} AS JOINT AND ALSO REPORT THE COLLECTION ON MY WIFE 'S CREDIT REPORT. I AM HOPING THAT THE AGENCY WILL TAKE YOUR ADVICE AND CEASE FROM DESTROYING VETERANS CREDIT!!
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My credit continues to be negatively impacted by this account and inaccurate credit reporting since XX/XX/2022. This account has been reported as a charged-off account continuously with no credit to the monthly payments being made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given XXXX  days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, XXXX additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There are also attached screenshots of those payments posted to my bank account as proof but never corrected on my credit reports after recovery. My credit report does not reflect any of these payments made since XXXX and still shows the account as a charge-off prior to being seized again today with no explanation. This is a clear violation of the FCRA and continues to negatively impact my credit as time passes.
Consumer complaint received 2022-04-13
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. (IL)

XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Consumer complaint received 2022-04-13
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. (IL)

XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all XXXX major credit bureaus because this balance is incorrect due to fraudulent charges.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2022-04-13
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. (NC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/2023 I received a very disturbing letter from American Express. The letter starts off saying " Dear XXXX XXXX, thank you for bringing the fraudulent use of your identity to our attention. '' This is totally false because I have not contacted anyone from American Express about Identity theft. Again, I did not file this request or report to anybody to American Express. I attached the letter I received.
Consumer complaint received 2022-04-13
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. (FL)

I have filed disputes and tried to fix this issue with this company for the last 4 months. They have lied about not receiving my ftc report and I have sent it prior to the last complaint. This issue is causing stress.
Consumer complaint received 2024-01-07
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. (CA)

XXXX, Transunion, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws.