davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

First problem : Experian requested documents verifying my first and last name by US Mail. I responded by sending a cover letter asking Experian to remove the suffix " 3 '' from my name, W2 's from both of my current employers, a photo copy of my current driver 's license ( front/back ), and a copy of 2 current utility invoices ( residential gas bill and residential light bill ). Experian is refusing to respond and has not updated my information in my credit file. There is no suffix of " 3 '' at the end of my last name and there never was. I have been trying to correct this issue since 2020. My first name is XXXX and my last name is XXXX. Second problem : I am also having an issue activating and deactivating my credit freeze per diem. Experian has not fixed this issue. I am not able to sign in online into my Experian profile. I called customer care and can never speak to a representative.
Consumer complaint received 2022-03-19
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)

XXXX RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) BALANCE : {$410.00} STATUS : DEROGATORY ACCOUNT # XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 


XXXX  XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2022-03-19
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. (GA)

In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (IN)

I got a call from Northstar collection agency about a debt on my XXXX Credit Card and the debt is not mine. My daughter is also an authororized user and has a card of her own w me being the primary account holder. Upon first contact I thought it was a scam but after realizing the agency is legit I further explained the debt is not mine. The agency mailed myself and my daughter all the statements from XXXX and my daughter did have charges made by her that should have been covered by the negative balance XXXX actually owed us due to a claim that was filed by her but the rest of the charges were not ours. I explained to Northstar that I would pay any charges that were made by my daughter but wanted to dispute the other charges as they aren't mine or hers. I was speaking w a lady named XXXX and she transferred me to her mgr im assuming and this person tried pressing me to paying a debt for almost 18k that wasn't mine. I asked for validation of debt so I'd have something showing how to dispute these charges and I was told that they already mailed out the statements from XXXX  and they weren't going to mail anything else. I also would like it noted that upon initial contact w XXXX she tried a scare tactic saying if im saying these charges aren't mine then my daughter would be in trouble and face prison in order to get me to pay this. I never got anything from Northstar w in 5 days telling me how to dispute the debt and refused to send it when I asked them to.
Consumer complaint received 2022-03-19
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. (TX)

I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account 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 XXXX XXXX XXXX  XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last XXXX XXXX
Consumer complaint received 2022-03-19
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. (LA)

I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXX Dept of the threasury XXXX First XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to me
Consumer complaint received 2022-03-19
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: Time Investment Corporation (NC)

On XX/XX/2022 I sent a request to Time Financing services regarding a derogatory tradeline being listed on my credit report. It has been over 30 days since my dispute was received, and they have yet to send me any proof validating that I owe the debt. Not only did they not respond within the legal timeframe, they also did not mark the derogatory tradeline as disputed pursuant to the FCRA. 

Not only are they in violation of the FCRA and the FDCPA, but they are also in violation of the North Carolina General Statute Article 70 regarding debt collections. the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE 58-70-01 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The NORTH CAROLINA DEBT COLLECTION ACT ( NCDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. NC. GENERAL.STATUTE. CODE 58.70-15 ( b ). Furthermore, NC. GENERAL.STATUTE.58-70-01 states that a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony. 

I am writing to advise you that Time Financing Services are in violation of NORTH CAROLINA DEBT COLLECTION ACT, NC. GENERAL.STATUTE.CODE 58-70-01 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 

They must immediately delete the negative tradeline from my credit report due to their violation of local and federal laws.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my report for accuracy and saw an account for XXXX XXXX XXXX for Original creditor : XXXX XXXX in the amount of {$310.00} for an account opened in XXXX. This is a very old debt that should not be reporting. The Fair Credit Debt Reporting Act states debt should report for a max of 7 years only. The collection was opened XX/XX/XXXX and it is XX/XX/XXXX. The XXXX date for this account is XX/XX/XXXX.
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$710.00} {$710.00} {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$27000.00} {$27000.00} {$27000.00} No. of Months ( terms ) : 79 79 0 High Credit : {$34000.00} {$34000.00} {$34000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported XXXX XXXX XXXX XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Consumer disputes- reinvestigation in progress Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX  Two-Year payment history Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2022-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX  please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

I received a Home Depot credit card in the mail. I never applied for this card or approved any type of credit pull. On XX/XX/2021 an online purchase of over XXXX dollars was made. I have since been getting calls for a past due bill. I called Citi Bank N.A. who issued the card and reported the fraud.
Consumer complaint received 2021-10-06
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. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies
Consumer complaint received 2022-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Resolution Corporation (MO)

I have three that are on my consumer report from Account Resolution. The amount of the the accounts are {$56.00}, {$200.00}, and {$150.00}. Account Resolution did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution to provide the agreement under penalty of perjury. 
Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Account Resolution attached a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). Account Resolution also said that another company " referred '' the alleged debt. Any referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? A sale, transferal, nor referral subjects me to any unlawful act under the FDCPA. No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Account Resolution to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Account Resolution stating all facts which includes each violation and the damages that you have caused me.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (VA)

Onemain/Springleaf financial is ruining my credit by refusing to report accurately to the major credit bureaus. 

When I initially called to settle my account, I was advised that it would show as settled with a 90 day delinquency. I wanted my account to show as settled in full, current. They advised that in order for this to happen, I would need to stretch my payments out over 6 months so that it would not reflect as settled in full with a delinquency. Thats their first illegal activity. 

I spoke with XXXX from the XXXX XXXX executive office of customer care who advised me that they did not know that it was possible for an account to show as settled as full with a delinquency but they will look into it and call me back. On XX/XX/2022 I received a letter from Onemain stating the following that they investigated my dispute ( after I sent one in writing ) and that they sent the following updates to the credit agencies : Balance $ XXXXamount past due {$0.00} Last payment date : XX/XX/2022 Update the payment history to match our system of record. 
Account status : current Delete the first XXXX of delinquency. 

I received a credit monitoring alert last week that the account was updated to current. This morning I woke up to credit monitoring alerts stating that one main is now reporting my account as 120 days delinquent!! I am extremely upset with the incompetence of this predatory lending service and will proceed with filing official complaints. I am also entitled to damages as Onemain has negligently failed to comply with its obligations under the FCRA. I want the delinquencies on my trade like from one main removed as well as {$10000.00} in damages.
Consumer complaint received 2022-08-08
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Account Number : XXXX Balance : {$500.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX / XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Account Number : XXXX Balance : {$500.00}
Consumer complaint received 2022-03-19
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: LEXISNEXIS (IN)

On XX/XX/XXXX I sent a dispute in writing of bankruptcy case being inaccurately reported on my credit and consumer reports. This dispute was met with a response from Lexis Nexis stating they could verify my identification and to send documentation for dispute to process. On XX/XX/XXXX I disputed the same two bankruptcies and attached evidence from the court 's website. This was sent via fax, email and mail. On XX/XX/XXXX I received a response attaching url link to view consumer report. It did not mention my dispute in any nature. On XX/XX/XXXX after no response to my two previous disputes I called an did a dispute of every item over the phone. In response dated XX/XX/XXXX to that telephone dispute I received correspondence stating " after a reinvestigation of the data in question, LexisNexis updated bankruptcy case number XXXX listed on your LexisNexis report. '' Although the reference both LexisNexis case numbers in the letter, they fail to mention the both investigations and actions. Further, they can not use a dispute to update clearly inaccurate information. They must delete any and all unverified and inaccurate information per FCRA. They have also failed to respond within the federally granted 30 days. 
They have not deleted any of my inaccurate personal information like name misspellings, incorrect/outdated addresses, and private banking and insurance information. Who my car is insured with is NOT for public record and I prefer to remain private. Who I bank with is NOT for public record and I prefer to remain private. I have not given this agency any authorization to run any form of data purchasing, sharing, selling or storing of my personal and consumer information. In their response dated XX/XX/XXXX they clearly acknowledged they discovered data was unverified. Yet used that time to update my consumer report with inaccurate information again. A criminal case can not be reported under driving record segments per the CRRG. They are simply seeking out information from internet searches of like names and addresses. This does not meet identification verification purposes per FCRA. In closing, the bankruptcies they are reporting are not even reporting in my name.
Consumer complaint received 2022-03-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IA)

In XX/XX/2021 I sold my leased vehicle back to the dealership where I purchased it, at the time I owed for the XX/XX/2021 payment. Later that spring, I received noticed that there was a late payment on my credit report and XXXX XXXX XXXX XXXX XXXX was XXXX days late. 

I called and they told me they would fix it. 

This week I received another notice there was a change on my credit report. This account ( Account # XXXX ) is now showing as XXXXdays late as the status but all payments listed are shown as on-time. 

Currently, this is severely impacting my credit score.
Consumer complaint received 2022-03-19
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. (MI)

N according With the fair credit reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1684 section 604 a section 2 : it also states consumer reporting agency can not furniture an account without my written instructions
Consumer complaint received 2022-03-19
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. (MI)

N according With the fair credit reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1684 section 604 a section 2 : it also states consumer reporting agency can not furniture an account without my written instructions