davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
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. (AZ)

I had submitted several written disputes in regards to inquiries on my credit report I reviewed in XXXX XXXX and XXXX XXXX. I had reached out to Experian to dispute these inquiries listed below in regards to providing additional verifiable signed documentation or any hard documentations that tied me to these inquiries and when the results were sent back to me. They had informed me that they came back as accurate and verified, when I sent the written dispute I asked them if these inquires had come back as verified I wanted them to provide me the verified information and any documents that validate these specific inquiries. They were never able to provide any of these and when I called several times to their phone dispute center to speak to live agents they were very rude to me saying to go ahead and file a complaint with the Consumer Financial Protection Bureau. I kept informing the reps that without providing me with verifiable documentation this would fall under Experian reporting inaccurate information. I am asking for Experian to provide me information on how they concluded the investigation for each of these disputes and also any factual documentation and verifiable proof that connects me with these inquiries such as signed documentation, or contracts for these specific inquiries list below of the companies and dates of inquiries. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-14
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. (NY)

I have XXXX child support accounts on my credit report. 

I do not owe child support and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the child support case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.
Consumer complaint received 2023-05-18
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. (MS)

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, 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 2021-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Over the course of a month and after several phone conversations and letters with Capital One Auto Finance regarding a car loan in the amount of {$1600.00} consumer credit transaction showing on my reports have refused to XXXX balance, grant my title free and clear, close and remove transaction. Per 15 usc 1692g Validation of debt is warranted I have requested the " original Creditor '', name and address and to Cease and desist collection activities.
Consumer complaint received 2021-03-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NC)

I have contacted Santander about this account. I have been disputing this account since XX/XX/XXXX. I have sent a total of 7 letters to the credit bureau 's disputing this account. I have sent debt validation letters to Santander and to XXXX XXXX XXXX XXXX XXXX XXXX. I have sent certified letters to XXXX on XX/XX/XXXX XXXX XXXX ) and they did not respond back to me in 30 days. So I sent another letter back out to them asking them for more verification about the debt on the account ( XXXX ). I was ask them for proper verification about the debt and they sent me a letter saying that they conducted an investigation, and was unable to substantiate the allegations in the dispute. I just received letters back from the credit bureaus on XX/XX/XXXX and I saw that updates was made. But, how was updates made and I been disputing this account since XX/XX/XXXX? They should'nt be making updates now bc I haven't asked them to update anything. I just don't understand how they can be updating this account. The credit bureaus should not be updating anything about this account.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I was a victim of the Equifax Data Breach that happened XX/XX/XXXX though it became public in XX/XX/XXXX. A settlement was finalized and the claims period was extended to XX/XX/XXXX. I submitted my claims XX/XX/XXXX. I gathered all my evidence that my information leaked to third parties and othe furnishers. I am still receiving solicitations yet i have opted out and froze my accounts on the 3main bureaus. I spent time and money gathering my evidence and that needs to be compensated. According to media reports, Equifax assumed that most people would not bother to submit a claim. But i submitted the claim. 25hrs is not enough time to gather information and prove that my information was affected by the data breach. Hope Equifax has put measures in place to protect consimers information from being breached again and their business practices have improved to work with us consumers.
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MD)

Large banks ( including my own ) are withholding our American Recovery Act stimulus funds because the direct deposit was allegedly dated Wednesday. It doesn't matter if the funds are there, they are saying they won't be available until the XXXX of XXXX. This is outrageous. They are using our money for days to make a profit before handing it over to us.
Consumer complaint received 2021-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am looking to purchase a house this year. I am a married father of XXXX. I noticed an inaccuracy on my account. I reached out to the courthouse and was asked if it was possible that the mistake could have happened on their end. I was alerted that they do not report to bureaus and that a person 's social was never shared. I then attempted to reach the bureau by phone, but to no avail. XX/XX/2021, I proceeded to mail a letter demanding to see verifiable proof as stated by the FCRA. I included the correspondence from the courthouse. They were shipped certified mail. I waited 30 days and sent a follow up. Almost 60 days later, I have yet to hear from them. I feel like my rights are being violated. I just want to be able to provide a decent home for my family and their errors are making it difficult. They are picking on the little guy.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following accounts listed below are fraudulent accounts and doesn't belong to me.They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 2017-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (WV)

There is a medical debt showing on XXXX XXXX and XXXX from Commonwealth Finance for {$800.00} for services rendered at XXXX XXXX XXXX. I did NOT receive any services from this establishment, nor I have signed any documents stating that I am responsible for any bills for myself or anyone else.
Consumer complaint received 2021-03-14
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: Santander Consumer USA Holdings Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-14
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. (RI)

Tried every phone number listed for Experian customer support and all bring you to automated system with no selection for speaking with a live person or choice for dispute. Also tried numbers provided by CFPB and all bring you back to same automated menu. 

Disputed the two active accounts with incorrect credit limits and incorrect remaining balances through website dispute portal over a week ago but still no changes. It appears no data has been updated in over two months although my credit providers report all information promptly. Experian shows report updated on XX/XX/XXXX but no changes and balance/credit has not been accurate for months.This is affecting my ability to get better terms on credit as accurate reporting data would bring my debt ratio down from 35 % shown to under 20 % putting me in a good credit range. 

Available credit is XXXX currently and reported as XXXX. 
Total debt is XXXX currently and reported as XXXX.
Consumer complaint received 2021-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

hello I called khols and they had me pay a debt that wasnt mines i paid the bill its still reporting on my credit i called XXXX XXXX XXXX they said no record and they would call me back but never I asked why is this reporting on my credit report. I need these removed from my credit. Its illegal to be reporting incorrect information. They said they couldnt give me proof and was very rude
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: EQUIFAX, INC. (CA)

This is several times I have found inaccurate ACCOUNT on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX : {$15000.00}.
Consumer complaint received 2023-08-09
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)

XXXX XXXX XXXX is improperly reporting a collection account for original creditor : XXXX  XXXX XXXX. This account was paid directly through XXXX and they send a deletion letter. XXXX XXXX XXXX is still reporting this on the credit report as a paid collection. I have reached out to them and they refuse to accept the letter from the original creditor. They also refuse to properly update my credit report. This account should never have gone to collections. This was a mistake of XXXX which they regret and have provided a letter stating that the account would be deleted from my credit. This is preventing me from getting a mortgage and the improper use of my credit report has already caused monetary damaged and will continue to do so if this is not removed. Under the fair credit reporting act, if information reported to the credit bureau is incorrect, the information must be deleted. This is the case here as XXXX XXXX is reporting incorrect information.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX reports a balance that is ten ( XXXX ) times what it should be. Balance should be around fifteen ( XXXX ) thousand dollars for this account/trade line but is reporting with a balance in excess of one-hundred fifty ( XXXX ) thousand dollars to Equifax, XXXX, and XXXX XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of XXXX- and XXXX- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper statements.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-03-14
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. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX TransUnion, XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (MO)

XX/XX/21 - Received notification from ProCollect regarding alleged debt. 
XX/XX/21 - Submitted formal written dispute advising alleged debt was incorrect and requested proof of damages to apartment and outstanding debt amount. 
XX/XX/21 - Received response from ProCollect that included a Waiver of Reservation and handwritten notes on a Account Statement with no proof of debt. 
XX/XX/21 - Responded to ProCollect with pictures and proof of payment as evidence that the alleged debt amount is incorrect and the damages are not accurate. 
XX/XX/21 - Without receiving a response to my formal dispute, ProCollect report the incorrect debt amount to the Credit Bureaus. 
I responded in writing and sent the responses certified to verify receipt, but still received a negative report to me credit report. I provided proof that three payments were not reflected in the alleged debt amount and pictures showing no damages to the unit.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (TX)

I got an engagement ring on Kay Jewelers on XX/XX/XXXX, got a $ XXXX {$700.00} credit with them and I paid up {$700.00} up front to take out the engagement ring that I wanted. I stopped paying for it & on XX/XX/XXXX they called me supposedly that I got served and that I had to pay almost {$900.00} for it not to escalate for it to go to court. He was pretty insisting on the payment and I told him that I would preferably do it later because I wasn't sure it was legit. He had my SS # and a bit of information on the debt. I want to know if I'm actually being served before I try to pay to a scam.
Consumer complaint received 2021-03-14
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. (FL)

All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX, a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst!

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a 2 bedroom 2 bath 2 car garage on the 18th hole and don't plan to sell, however reducing my credit score to XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc. (IN)

# 1 : In XX/XX/XXXX Aqua Finance reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. 
This information was FALSE and damaged my credit score.

To this day, I still have never been notified our account was ever sent to collections.

# 2 : Aqua Finance charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. 
They are still trying to damage my credit score fraudulently.
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.