davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MT)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX  Date opened XX/XX/2019 Balance : {$0.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate. 

Lastly, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.
Consumer complaint received 2024-03-14
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NY)

Name - XXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX  This account was disputed before and after payment to the collection agency with no problem being resolved. This account is being reported in error on multiple CRA 's. According to the FCRA 611 subsection A, Chapter 1 ; A bureau re-investigation is in order whenever a dispute is returned as validated without a correction being made. 
This account is being reported as having multiple late payments on the XXXX credit report, yet on XXXX as a collection it states this account never missed a payment. Then on Equifax, this account has multiple months of missed payments not being reported which according to the FCRA 611 ( 15 U.S.C. 1681I ) chapter 5 section A, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information if found to be inaccurate, incomplete or unverifiable it must be promptly removed.

According to 609 Disclosures to consumers [ 15 U.S.C. 1681g ], Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This account is not being reported accurately across all three CRA 's and asking for it to be promptly removed due to the length of time these inaccuracies have been reported.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
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. (WA)

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 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 XXXXXXXX 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 2022-09-05
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/05 Balance : {$0.00}
Consumer complaint received 2022-10-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (AR)

I have attempted multiple times to dispute information on my LexisNexis file and have not been able to successfully get the information actually disputed.
Consumer complaint received 2023-08-11
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. (KY)

I appreciate you making the effort to update some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XX/XX/XXXX
Consumer complaint received 2024-03-14
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. (SC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (NJ)

XXXX XXXX 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  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 2023-01-21
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  has violated my rights. Also, these hard inquiries were unauthorized. I didn't give anyone consent below 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 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 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I received a copy of my credit report recently as noticed a few things that was being reported might not be correct. I have asked both Credit bureaus and the creditor to start an investigation and send information on this account and they have failed to do so. I also read the FAIR CREDIT REPORTING ACT it stated that I have the right to challenge anything Im not sure is accurate on my report. They are reporting things on me that is not accurate and will not provide proof or accurate reports that match.

Im also familiar with 15 U.S.C. Sec. 1681i ( a ). It stats that you cant provide proof these account are 100 % accurate they must be deleted. I have disputed this account for almost a year and they only I get back is verified with no information changing. This is a clear violation of my consumer right and its defamation of character as well. The lawyer I spoke with said I should contact you guys before taking legal actions. I noticed one for the credit bureaus deleted the account because the information reported was not accurate. I know by law I have to give you 30 days to investigate so please investigate this issue and delete the accounts for false and inaccurate reporting. After this investigation report please send me an updated copy of all three reports Name of account : XXXX Account number : XXXX Issues : charged off open date closed date reported balance last payment Please provide proof that this account is being reported 100 % accurate or delete this account from my credit profile Thank you
Consumer complaint received 2023-02-11
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 (TX)

I hope that I am at the correct spot, for I have sent my complaint to all the places I was told to. 
For years I have been a victim of identity theft, I would file the paperwork and it would just get pushed to back and forgotten about. The last two years have gotten really bad with the identity theft. 
I was recently served with papers being sued by Capital One in the amount of {$3900.00}. I have talked to Capital One and XXXX XXXX Firm about the situation and advised them that this is not my account, it is fraud, and I reported it back in XXXX when I first saw it. Capital One stil says they can not find any actions of fraud as it is under my name and social security number. 
Back in XXXX Capital One did have a huge data breach, I am not saying that this is because of that, but I did let them know that even the external bank attached the account is not mine. I had never heard of XXXX XXXX I spoke yet once again with the sheriff 's department, got another case number for the XXXX time. I have filed all proper paperwork, and I am just tired of this all. Because I have filed so many times the officer just took a verbal statement and added it to the file so that I wouldn't have to fill out the paperwork again.
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (VA)

I have a Best Buy Visa Credit Card and am constantly receiving promotional offers for balance transfers only to be declined when applying for this feature. The customer service representatives flat out lied and denied that this offer was available on my account on one occasion. After running my credit they disqualified me for having to many open accounts, which defeats the whole purpose of the balance transfer, because if I transferred all my balances to that one card I would only have one account. The problem is that coerced me into a credit pull, which I normally wouldn't have granted permission for, in order to market they're low interest product only to tell me that I don't qualify. My account with Citibank is in good standing and current. Not only did they violate my privacy by doing this, but they also discriminated against me based on criteria that does not apply to this account. They claim to be compliant and that they are not enforcing another banks policies. This sounds to me like antitrust.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022, I received scam calls asking me to transfer money for the amount of {$950.00} and {$790.00} via XXXX Chase quick pay. Right after I transferred the money, I called the Chase bank immediately trying to stop the payment or recover the money. I was placed on the hold waiting for XXXX hour before talking to a real person. Then she told me I should talk to another online transaction department. Then waited another hour, they told me they were not able to reverse the transaction. Asked to to contact XXXX. XXXX couldn't help either. I wish the bank should have more loss prevention ability or have a track to get money back due to scam.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

My information was sold and illegally because I was a victim of the Equifax data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NY)

My mortgage was sold to PHH bank from XXXX XXXX   XXXX in XX/XX/2010. I have not been late in paying my mortgage which is due on the XXXX of the month with a 16 day grace period. 

XXXX bank has bee contacting me every month on the XXXX of the month informing me that my mortgage payment is late, when it is not. 
This has become a constant with these people, which is quite bothersome and a harassment to me. I feel they are trying to DAMAGE my credit by constantly calling me about my mortgage- which has been paid on time.
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

XXXX cancelled my policy due to non payment in XX/XX/XXXX. I purchased a Policy through XXXX XXXX XX/XX/XXXX. Later in XX/XX/XXXX a salesman at XXXX XXXX called despite my requests to cancel he renewed my policy and proceeded to get a commission by forcing this policy on me. I have been insured through XXXX since and I don't want to pay for a service that was never provided. Now this collection agency is claiming I owe XXXX {$390.00} for an insurance policy that I thought was cancelled and was covered through XXXX XXXX. They refuse to remove the debt, they keep re-posting and re-aging this debt as new and are ruining my credit. I am on the verge of homeless