davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (MI)

I have tried to get different disputes solved in order to get certain items off of my credit report and multiple listings corrected as well. Every time I have tried, they won't reopen the dispute or let me resubmit it again. Every single time I have tried to get old accounts off they refused to remove it, double reporting accounts they refused to remove it even though one company no longer owns it/. I am sick and tired of this company refusing to do anything further.
Consumer complaint received 2020-04-28
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. (TX)

On the XXXX XX/XX/XXXX a fraudulent account was open at XXXX XXXX in XXXX Texas using my stolen identity. 
On the XXXX of XX/XX/XXXX, I reported this fraud to XXXX Fraud department. I was contacted by XXXX Fraud, who assured me that the fraud account would be closed and removed from the Credit reporting Agencies. 

On the XXXX XXXX I once notified XXXX XXXX and again requested this delinquent account be removed. 

I also wrote a letter to Trans union supplying both an affidavit, email correspondence from XXXX XXXX to substantiate my claim. 

Transunion has not investigated my dispute. XXXX XXXX has not notified Transunion of the fraud. Transunion sent me a " fraud kit ''. I did not request a Fraud kit, I disputed the account.
Consumer complaint received 2023-02-07
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. (MO)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-06-17
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX 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 2022-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions (TX)

In XXXX my Primary Physician 's office, of which I've been a patient for over XXXX years, XXXX XXXX XXXX, incorrectly charged my expired insurance for a doctor 's visit I paid for upfront ( with debit/cash. ) In other words, even though I paid for the visit at the Front Desk, before seeing the doctor, {$120.00} with my debit card ( because I no longer had insurance ) the person I SCHEDULED the appointment with over the phone had automatically clicked on my OLD insurance, so the bill came back unpaid, as I no longer had this insurance. When I got a a bill in the mail a few months later, took it with me to my next doctor 's visit. 

When I called to schedule this visit, the receptionist told me that I had an outstanding balance and that I would need to pay it before the appointment when I got there. I explained that I had paid upfront, and that the bill I got was because they 'double charged ' me by charging an old insurance I no longer had ( for several years. ) She looked it up in the system and saw my upfront payment of {$120.00} made with my debit card for that visit. She apologized, took the incorrect charge off, and I continued my doctor 's appointments, paying up front each time. 

However, in XX/XX/XXXX, I got a call from and a letter from TSC ACCOUNTS RECEIVABLE. I spoke with them over the phone, told them to contact XXXX XXXX, XXXX XXXX XXXX, so they could explain that they had made a mistake. They said that they would look into it. Several more times throughout XXXX, I got letters and calls. It is in my credit report. 

I have disputed this with XXXX and XXXX 5 times in the last XXXX XXXX years. Each time, the dispute results come in as " it comes back as, " XXXX investigated your dispute but the information was verified as accurate. '' or " XXXX investigated your dispute but the information was verified as accurate. '' Each time I get a notification or a call from TSC about this debt collection, I contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, at which I am STILL a patient, to tell them the TSC is STILL stating I owe. And each time, XXXX XXXX XXXX assures me that there is NO RECORD of my account or a payment being in collections. XXXX XXXX XXXX says they will explain this to TSC, if they contact them, but that they show nothing about me owing anything outstanding or being in collections.

Therefore, TSC Accounts Receivable is NOT doing their part to look into it and my credit report is suffering BADLY. If XXXX XXXX XXXX is being dishonest or not taking the time to speak with them, that is equally bad. But I doubt this is the case, since you can NOT have a doctor 's visit there with an unpaid balance, and I visit this doctor XXXX times a year, for XXXX XXXX XXXX XXXX XXXX XXXX 

Please help me. TSC ACCOUNTS RECEIVABLE and this charge have been on my credit report for XXXX and XXXX XXXXXXXX years, my credit score is affected as this is over {$350.00}. 

Thank you!
Consumer complaint received 2020-04-28
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. (IL)

This account makes no sense at all, it's been charged off why are you still reporting. what day was the last activity on this account? They post payment i have not made .illegal
Consumer complaint received 2022-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a fraud alert on my inquiries it says from dark web. The phone number shown isn't mine, not my license number it was on XX/XX/2022. Also I I have XXXX XXXX and capital one Inquiries that Are long my Credit go down. I do have them cards, but its just now recently posting to my inquiries that I have a new account and its showing up multiple times which dropped my XXXX XXXX down a lot.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This is not a duplicate. 

XXXX XXXX XXXX has not answers to this complaint properly. XXXX I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!
Consumer complaint received 2022-06-17
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. (VA)

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 Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MS)

I had an Auto Loan with Santander Consumer that was paid off XX/XX/2019. Per Santander the balance was {$22000.00}. XXXX sent them a check in the amount of {$22000.00} on XX/XX/2019. On XX/XX/2019, Santander closed this account as Paid in Full. On XX/XX/2019, this account was reopened and reported as 30 days late with a balance of {$510.00}. I contacted Santander and they could not explain to me how a balance was calculated on my account 2 months after they acknowledged that it was paid in full. This account is now showing as a charged off account on my credit report and has caused detrimental damage to my credit score. I am a XXXX XXXX XXXX   and have been denied XXXX funding due to this charged-off account which is possibly going to cause my business to shut down. I have disputed this account several times and I can not find any relief. Please make this bank stop ruining my credit reputation. I spent {$6000.00} towards the negative equity getting out of this vehicle only for them to lie and place a derogatory mark on my credit.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS Servicing has XXXX on their staff who are tricking customers into revealing information and prying into the personal business of consumers and then assigning relationship managers who are overriding company communications such as covid deferrals to say they are foreclosing. The automated system states the deferral was approved whereas they are sending foreclosure letters and XXXX  dealing XXXX are destroying the American dream when people need time.
Consumer complaint received 2020-04-28
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$1300.00} XXXX  XXXX {$4800.00} XXXX XXXX XXXX IN XXXX {$480.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$4200.00}
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

In XX/XX/XXXX Rushmore informed a delinquent account to my credit report. I payed in XXXX the late payments and in XX/XX/XXXX I did the loan payoff. I don't understand why my account was reported delinquent since Rushmore was the one extending my payment date. Please advice as soon as possible since this is hurting my credit score.
Consumer complaint received 2022-06-17
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. (WI)

So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.
Consumer complaint received 2022-06-17
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Westlake Services, LLC (IN)

On XX/XX/XXXX, I bought a car from XXXX XXXX. I financed it through WEST LAKE Financial. 
I received a welcome call XX/XX/XXXX, saying im late. After paying my bill with my confirmation number. XXXX XXXX takes my while Im working. Both companies give me the run around while im carless and paid my bill. 
On XX/XX/2022 XXXX XXXX car dealerships in XXXX has me refinance with XXXXXXXX XXXX XXXX  to get my car back with a 17 % or i default my westlake loan. 
Im still seeing westlake on my credit report and westlake financial told me they took it off. It is on my credit report still.
Consumer complaint received 2019-08-05
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: Experian Information Solutions Inc. (AR)

After two courts in Arkansas closed the lawsuit brought against me by XXXX XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done  and the fallacious claim against me is still in my files. 
Please note that there is an item for collection from XXXX XXXX for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed. 
XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX by the XXXX County Circuit Court ( XXXX XXXX, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX may have against me. The case has been adjudicated and closed by the XXXX County ( Arkansas ) Circuit Court, ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, XXXX District in XXXX ( XXXX XXXX XXXX XXXX, XXXX. vs. XXXX XXXX, XXXX ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX, XXXX.XXXX./XXXX XXXX and the XXXX, XXXX XXXX  alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I took a look at my credit reports and discovered a plethora of inaccuracies. I understand under the law, " if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. '' I sent dispute notifications to all companies and filed disputes online. These companies maintain their information is accurate even though it is not. In addition to reporting inaccurate information, the companies in question also re-aged the account. 
To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' To remain in compliance with the law, I request the immediate removal of accounts from my credit report.
Consumer complaint received 2022-06-17
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX and XXXX Account # XXXX have 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 an account without my written instructions
Consumer complaint received 2020-04-28
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2023-02-07
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: LEXISNEXIS (AL)

Lexis Nexis have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. I was an uninformed consumer during this Transaction. You obtained my non-public personal information, then sold my non- public personal information to the Credit Reporting Agencies . I never gave you written consent to collect nor furnish my information in regards to my bankruptcy to the Credit Reporting Agencies. You are in violation of the FCRA law and Defaming my character. The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions