davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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: Experian Information Solutions Inc. (OR)

RE : Experian, Boost Complaint Consumer : XXXX XXXX XXXX XX/XX/XXXX I have had a free account with Experian for more than a year in order to boost my credit score. My initial bank was XXXX Bank and the Experian, Boost product worked over a year to increase my score approximately 56 points. In the past few months I changed my banking to XXXX XXXX Credit Union. 

Although, I was able to enter my new credit union into their Boost app., Boost has never found any of my paid bills. This has caused my credit score to drop 51 points. 

I first contacted Experian via phone on XX/XX/XXXX at XXXX. I spoke with agent XXXX. She did not understand that I was unable to first get my account entered. I eventually requested a supervisor. She said there was no one to send me to and that I should email, XXXX, to communicate with a supervisor. 

I sent a email the same day, XX/XX/XXXX XXXX, explaining my complaint. I received a form letter for this question and every follow-up email they sent me in response. Their response was to tell me to send Experian my 3 months worth of bills. I attached them as pdfs in an email explaning of the bills. 

Since sending my bills in on XX/XX/XXXX, they have not responded in any form. There has been no change in my account being boosted and accurate. They did not manually add any of the bills I sent in so that my score would be accurate.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RS Clark and Associates, Inc. (TX)

RS Clark & Associates continues to monthly report a collection for the amount {$130.00} to XXXX  and XXXX  for an account XXXX that was paid in full on XX/XX/2020. I've called three times and I have sent two letters without any confirmation of this debt being removed from my credit report as it is being wrongfully reported monthly as a collections.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I became aware of this debt with Caine and Weiner around XXXX XXXX  When I noticed a collection account on my CR. At which point I disputed with XXXX. Around XX/XX/2020 I was notified by XXXX the Debt was Valid. Due to the Pandemic I put this on my get to eventually list. I recently reached out to Cain and Weiner to get this account resolved. They informed me they had no account information to give me, and directed me to XXXX. I spoke with XXXX Fraud department who informed me their system doesn't show I ever had an account listed, and directed me back to Caine and Weiner. I have provided Caine and Weiner with my full name, social and address however they are unable to tell me when and by who this account was opened. Or with any other pertinent information. Knowing this I have asked Caine and Weiner to please have this account removed. As it is Fraudulent. I was told it was nothing they could do. And that I should dispute with XXXX again. Which I have.
Consumer complaint received 2021-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Hello, I recently attempted to refinance my home mortgage to take advantage of these low interest rates and to help reduce my monthly payment. However, after speaking with my loan officer it became apparent that a couple late mortgage payments I had in early 2020 were negatively affecting my mortgage offers and severely impacting my credit history. I was unaware at the time that I had an option to take a forebearance on my mortgage to help me avoid these impactful hits to credit. I, along with countless others at the time early in the pandemic, were not in a good place financially and that assistance could have been tremendously helpful, had it been offered to me. It is my belief that my mortgage company Suntrust ( Truist? ) should have reached out to me specifically for this relief. I spoke with several Suntrust reps on the phone to make my late payments in XXXX, XXXX, XXXX, and XXXX and I was never offered that assistance, even though I was clearly struggling to get out of the late payment cycle. I hope you are able to look into my claim and if possible find a reasonable remedy to help alleviate these late payments that are negatively impacting me to this day. Thank you for any and all of your assistance.
Consumer complaint received 2023-04-03
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. 

XXXX XXXX : XXXX, XXXX XXXX : XXXX, 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 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 2021-06-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (PA)

I have received calls and a text message from Frost-Arnett Company informing me that they are collecting a debt in the amount of $ XXXX for a bill I have with XXXX XXXX XXXX in XXXX, Pennsylvania. I have never received anything in writing in the mail from Frost-Arnett. Today, I contacted XXXX directly and was informed that I had no billing pending or in collections. I believe this is likely a scam. However, I am a patient of XXXX, so I don't know how they came about that information.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

I was extremely XXXX today, XX/XX/2021 after attempting to use my Discover card to purchase an ink toner for my personal printer. When I inserted the Discover card, it was declined multiple times causing me to hold up the checkout line. This just added to the XXXX as I was already XXXX  out because XXXX XXXX had me repurchase the ink toner after I had already purchased online and was just there to pick up. I did not bring the card I originally made the purchase with because I was there solely to pick-up. I thought it was a blessing that I happened to have the Discover card to pay, so I thought until it was denied. I drove 45 minutes from my house and had no other options but to be forced to use my business card to complete the transaction for personal use to avoid further inconvenience of losing my spot in line or having to drive 45 minutes to get my other card. 

I feel like I am being discriminated against because I hadnt experienced any issues or problems with my Discover card until I exercised my rights in good faith as a federally protected consumer informing DISCOVER FINANCIAL SERVICES of the billing error. I had reason to believe that this is an adverse action against me as defined by 12 CFR 1026.13 ( d ) ( 3 ) as my account appeared to have been closed or restricted without my consent or approval. This adverse action needs to be corrected IMMEDIATELY. DISCOVER FINANCIAL SERVICES has failed to comply with federal regulations in the subchapter of 12 CFR 1026.13 resulting in legally forfeiting their rights to collect as defined by 15 USC 1666 ( e ). In accordance with 15 USC 1666d, these past, present and future remittance coupons that they send in the mail to my place of abode need to be converted into checks monthly that are payable to me. 

This would have never happened to me if DISCOVER FINANCIAL SERVICES properly handled my account as an open end credit plan applicable with federal law as defined by 15 USC 1602 ( j ). Also, this would have never happened if the credit balance on this account was zeroed out monthly pursuant to 15 USC 1666d ( A ). 

The agent, XXXX, conducting business on behalf of DISCOVER FINANCIAL SERVICES confirmed that my account was closed as of today, XX/XX/2021 without notice and was unable to provide any specific reasons as to why it was closed outside of claiming an adverse action. The agent went on to tell me that DISCOVER reserves the right to close my account at any time after I told the agent that I never consented to have my account closed. I know for a fact that the adverse action was against me for in good faith exercising my rights as a federally protected consumer.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This account was not charged off and was paid in full at the time of closure. The incorrect balance being reported is XXXX when the balance should be XXXX. The account was not charged off it was paid and closed.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRIMAVERA FINANCIAL, INC. (TX)

I went last year and got dental work. I used a credit service to help pay the remaining balance. With the company, they're require you setup account on autopay. Which I did. My finalize report showing late fee charged when you can't be late if you're setup autopay. XXXX of this year, my account would have been paid in full. I did have an issue on two payments, but I paid. XX/XX/2022 I paid account in full and the account was closed. But they're still reporting to credit agencies that I have delinquent account, which is not true. It has made my credit score drop 8points and how it went from fair to poor.
Consumer complaint received 2022-05-30
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. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete 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 ; XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONLINE Information Services, Inc. (GA)

Im in the process of buying a house. I had 3 counts agains my credit that I paid off on XX/XX/2021. I asked for a paid in full letter that included that they requested for it to be deleted off my credit. They refuse to send the deletion letter and when I call to try to communicate with them they are incredibly rude, hang up on me, or dont return my calls. The company is online collections.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to XXXX XXXX and the 3 Credit Bureaus ( XXXX, Transunion and XXXX  ) on XX/XX/2021, XX/XX/2021 and again on XX/XX/2021 to verify information questioning the bankruptcies listed on my credit report and wanting to find out how the accounts were verified. When I wrote to my Courthouse, they responded with a letter and stated that they do not report to the bureaus. I have attached the letter to this complaint. I am asking that both bankruptcies be removed from ALL 3 of my credit reports and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

My son passed away and I have been trying to communicate with CHIME for over a week There is no one available to speak directly to. Each email I receive is from a different " person '', various names. The email instructions are to upload death certificate and my ID which after SEVERAL " links '' sent I was FINALLY able to do. Additional instruction said to also provide address where you want any balance to go to AND it doesn't allow for you to provide! There has been no confirmation email sent so I have no idea IF it's being processed OR in limbo. The phone # associated with CHIMES was just as useless. I'm already dealing with stress and XXXX and at XXXX find this all too frustrating. I'm trying to do my best to put my sons affairs in order.
Consumer complaint received 2023-03-23
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, US DEPT OF ED # 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.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ). 

I waited 30 days and recieved my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and TransUnion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. 

Which is a violation. This is causing me financial injury and impacting me from buying a house.
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NC)

1st let me say that my payments are 2 months ahead of schedule. The issue is how OneMain Financial applies my unemployment insurance payment, that I purchased through their company to cover me just in case I was unemployed or XXXX.They apply the payment to benefit ONEMAIN If there are payments received over a 30 day period, let 's say 38 days because I may have gone over 40 to file claim for payment. ONEMAIN will apply the 30 days as a payment and the additional 8 days as interest. Each time there is an overage they would take any overages to benefit ONEMAIN not to reduce my principal thereby reducing my daily interest. There is a partial payment made and a full payment both benefiting ONEMAIN not me It is my payment as I purchased tne coverage O should have a say whete the over payment is applied and I SAY APPLY IT TO MY PRINCIPAL SO MY DAILY INTEREST WILL DECREASED NOT TAKE MY PAYMENT and apply to interest
Consumer complaint received 2021-06-01
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. (PA)

There is currently a charged off XXXX XXXX XXXX item on my credit report. This item is NOT mine. I have tried disputing it with both the company and all 3 bureaus. I even, while telling XXXX XXXX that I did not agree it's mine, paid it off, just to get the invalid item removed. I was told that if I paid it off, even though I don't owe it, that they would remove it entirely. As it turns out, they lied and are now going back on their word. When I've asked XXXX XXXX to validate in any way shape or form all they do is respond and tell me they have correspondence from my email and phone number but they have yet to provide me proof of such correspondence. 
I then disputed this with the bureaus. It came back verified as mine, which is impossible, because it isn't. When asked how it was verified and to provide me proof of the method of verification, I have received nothing. So neither first premier, nor the credit bureaus have supplied me with any verification that this is mine. Yet I have provided my FTC Identity Theft report, correspondence with local police, correspondence with a consumer rights attorney showing that other items have been removed due to identity theft, and yet XXXX XXXX persists. 
I paid a debt I didn't owe, on a promise it would be removed. I would like it removed since neither XXXX XXXX nor the credit bureaus can provide me concrete validation and verification that this debt is mine. I've asked for a signature, an IP address linked to me, anything, but nothing is given. 
I am currently commuting 6 hours daily to take my daughter to and from a XXXX center for treatment. The ONLY reason I can not secure closer housing is this erroneous XXXX XXXX charge-off. I ask that the bureaus remove it immediately since it has been over 60 days with no verification received.
Consumer complaint received 2021-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I was woking with my bank to start the process to get a house and saw alot of inquiries that were not mine. I filed a compliant with the FTC and I spoke with the bureaus and no help. I was told I can reach out to you all for help with this. I am doing this on my own and need help. I have listed all the inquiries on the attached FTC report.
Consumer complaint received 2021-06-01
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)

I have disputed this account three times with Experian and they have came back and stated the information was accurate. I requested information from the creditor and although I did not receive the proper validation, I did receive a statement that shows a different amount owed other than what's being reported.

I have informed Experian that the information is inaccurate and have violated the FCRA because they have failed to correctly verify and remove the account.

XXXX XXXX XXXX  with original creditor XXXX XXXX XXXX reporting as {$5300.00} when the statement received from them states {$3700.00}. 

I did attach the statement given to me for their viewing.
Consumer complaint received 2021-06-01
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. (MS)

Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report