davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
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. (IL)

I just received my credit report and noticed unauthorized items that should not be listed with in my credit profile. And in accordance to the fair credit reporting act XXXX  # XXXX, XXXX, XXXX, and XXXX has violated my rights 15 USC 1681 602 A STATES I HAVE THE RIGHT TO PRIVACY 15USC 1681 604 A SECTION 2 STATES CONSUMER REPORTING AGENCIES CAN NOT FURNISH ACCOUNTS WITHOUT MY CONSENT If you have any questions or concerns I can be reached at XXXX
Consumer complaint received 2023-05-27
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. (NV)

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, 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 2023-02-01
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. (LA)

Wrong addresses on file. 
I've disputed this information several times. 
I have never lived here and this address does not even exist. 
This address was made up by some one. It is fraud. 

XXXX XXXX XXXX XXXX La XXXX
Consumer complaint received 2023-05-27
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. (NY)

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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

COMPANY PORTFOLIO RECOV ASSOCXXXXXXXX XXXX XXXX XXXX MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM PORTFOLIO RECOV ASSOC/SYNCHRONY BANK, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 
PORTFOLIO RECOV ASSOCXXXXXXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. 
-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF PORTFOLIO RECOV ASSOC/XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Wrong addresses on file. 
I've disputed this information several times. 
I have never lived here and this address does not even exist. 
This address was made up by some one. It is fraud. 

XXXX XXXX XXXX XXXX La XXXX
Consumer complaint received 2024-03-04
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. (MO)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. I have disputed the same identical accounts Experian has done nothing to remove these same accounts.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (PA)

I often monitor my credit report and noticed today that there are 2 inquiries on my credit report that I did not initiate so I called both credit card companies one is investigating and the other I am on the phone to make them aware that this is fraudulent activity.
Consumer complaint received 2023-08-09
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)

A few months ago a collections account appeared on my credit file as " XXXX XXXX DBA XXXX '' .. initially it was for {$300.00} and then it was for {$1200.00} and then it said that I paid {$600.00} of it or {$900.00} and then now it says it's 140 days past due and I have no idea what this thing is. I have sent the company a certified letter to validate the debt and has been over 30 days since they had received it yet the company still continues to negatively impact my credit file reducing it by over 100 points. originally i sent this complaint # XXXX to the cfpb who stated that they referred this to the FTC regulatror . the tracking number for the debt validation letter mailed on XX/XX/23 is XXXX the company did not respond in any way. I have disputed this directly with the 3 CRA 'S and they all said it was verified as accurate??!!!?? as of XX/XX/23 my credit report now says that not only is this account is some how magically 11 months past due but that the original balance was {$1200.00} and that i now only owe {$77.00}. this is blatant fraud it's also it's extortion as well the worst part about this whole thing is that I'm trying to go back to college and this has negatively impacted my credit so much to where I can't even get along my credit report has suffered XXXX points and now just simply removing that for my credit report isn't going to raise my credit report XXXX points and nobody is doing anything about it to help every Federal agency regulatory body and every XXXX XXXX XXXX Credit Reporting Agency it just allowed to get away with anything and I'm sick of it I disputed this with Transunion on XX/XX/23 and again on XX/XX/23 Despite the obvious inaccurate info and proof of this through the inconsistency of the reporting and the company violating FDCPA regulations no less then 3 times and the company failing to respond to a debt validation i sent 100+ days via usps certified mail The credit reporting agency states " Disputed information was verified as accurate '' This only way that they could possibly draw this conclusion is if they NEVER even looked at it and simply rubber stamped it and pushed it through
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

COMPANY PORTFOLIO XXXXXXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION, ON XX/XX/XXXX IN WRITING, I OPTED-OUT OF REPORTING FROM PORTFOLIO XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

PORTFOLIO XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. 
-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF PORTFOLIO XXXX XXXX .
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX along with Experian are in violation of Fair Credit Reporting Act 168 1b ( c ) for reporting 2 inquiries on my credit report. 
These dates are XX/XX/2023 and XX/XX/2023. I am demanding that both of these inquiries be removed.
Consumer complaint received 2022-11-21
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc (FL)

I have asked Harley Davidson many times to stop calling me, they refuse and say that I have to send a certified letter to their attorney to make the calls stop. 

They call 5 times a day every day, which I believe violates the law because they are not supposed to call me more than 7 times over a 7 day period. 

In the past 4 days there is a total of 22 calls from them. They call at XXXX on Saturday and wake me up, i've asked them to stop. 

They call on different numbers. 

Please help me.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2022, at my direction, the IRA custodian, XXXX XXXX XXXX, initiated a wire to to Chase Bank to make an investment. I provided the correct routing number, but the account number was copied from a Chase cashiers ' check, so was incorrect. The funds were sent and received by Chase and held in an account they own. 

When the error was discovered a few days later, XXXX, the sending bank, asked Chase to reject or recall the wire. XXXX reached out again and made this request. Chase has not responded XXXX it's been over a month. I contacted Chase directly and they said as an individual, I did not have standing to make the request, it had to come from the sending institution. 

The amount sent was {$19000.00}.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase Sapphire Preferred credit card with one of the benefit being a luggage delay insurance. 

The Baggage Delay benefit as outlined in the Guide to Benefits provides reimbursement for the emergency purchase of essential items, such as toiletries, clothing, and chargers for electronic devices ( limit one per device ), when [ the ] baggage is delayed while on an eligible trip. The maximum benefit is one hundred ( {$100.00} ) dollars per day up to a maximum of five ( XXXX ) days per claimant. Really very simple. 

My husband and I travel from XXXX XXXX via XXXX to XXXX. Two pieces of luggage were left behind in XXXX on XX/XX/XXXX. We arrived in XXXX on XX/XX/XXXX ; our bags were finally delivered to our hotel in XXXX on XX/XX/XXXX at XXXX. We left XXXX for XXXX on XX/XX/XXXX in the morning. 

I have filed a report with XXXX XXXX XXXX  on XX/XX/XXXX more than XXXX  months ago with all required information and documentation provided. 

Over weeks and months following the incident, I have emailed and requested status updates a total of XXXX times, called additional times only to either not hear back or be told that additional information was needed or to be told to be patient. The case was shown as pending online all along, no change of status here neither. 

I know others had mentioned that new requests for information or materials seem to be coming your way every few weeks or months. The last one was the request for the credit card statement listing the purchases we had to do while not having any luggage. I had first provided this statement on XX/XX/XXXX. I was asked for it again on XX/XX/XXXX. Ive resent it three times since. No reply. Also, the online status has since changed to closed. 

XXXX XXXX XXXX state in emails that they will review supplied documentation within XXXX business days and review correspondence within XXXX days, however that does obviously not occur. 

Half way through this process, I was also asked to provide a confirmation of the settlement with the airline that lost the luggage. 
An interesting request given that per their Guide to Benefits, this benefit is payable on an excess basis over and above any amount due from any other valid or collectible insurance or any other form of reimbursement payable by those responsible for the loss. 
Still, unable to argue with them, I provided that settlement confirmation from the airline on XX/XX/XXXX. 

Its been two months since, a total of XXXX  months after the incident, and no resolution. 

The way card members are being treated by Card Service Benefits is utterly outrageous. On top, this is a relatively small benefit to receive in the big scheme of things, and very straightforward. Its obviously just a clear tactic to delay payment in the hope that people eventually just give up and move on.
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC (GA)

I am a qualifying XXXX XXXX service member. Ive provided my enlistment documents, current pay stubs, and. An office letter from my supervising commanding officer proving I am XXXX XXXX. 
However the company continues to deny adding benefits to my account.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LAND HOME FINANCIAL SERVICES (FL)

What happened was that I was receiving mortgage assistance since XX/XX/XXXX for 18 months and throughout that time the App to make payments was blocked, which is good to avoid errors or double payments since the account is configured for automatic payments. In XX/XX/XXXX I made several calls ( should be recorded ) to the bank ( loss mitigation department XXXX Land Home Financial Services. I sent several emails so they could release the App so I could start making payments. They never fixed the problem, which resulted in a late payment that was not my fault, since after the account was unlocked ( XX/XX/XXXX ) I made 3 payments in a row : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The account is currently paid on time. 
After that they sent me an email ( XXXX XXXX, XXXX ) to let me know that by law they had to report it to the credit bureau, hurting my credit unnecessarily. There was no goodwill.
Consumer complaint received 2023-05-20
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$22000.00}, DEPARTMENT OF INTERIOR XXXX Balance : {$19000.00}, XXXX OF XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (MO)

XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2.

The following items are being disputed : XXXX Date Opened/Date Closed/Date Reported In accordance with the five points of compliance under the Metro 2 Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history.

2. Integrity : The information provided does not maintain the integrity and completeness required by the Metro 2 guidelines, leading to an unfair representation of my creditworthiness.

3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile.

4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of Metro 2 reporting.

5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability.

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the Metro 2 Reporting Format in examining each disputed item and ensuring compliance with the five points of compliance.

As per the Metro 2 guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made.

I understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the Metro 2 Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. 

I appreciate your prompt resolution of this dispute. 

Sincerely,