davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for 3 weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day.

2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the Doctor 's Office, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed.

4 ) I filed a complaint with Experian, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success. 
5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to XXXX XXXX 's website to file and it became very difficult and cumbersome. 

Any assistance in getting this matter cleared up would be appreciated.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

I moved into the XXXX XXXX sometime in XXXX of XXXX. I signed a lease. That following year, sometime after the pandemic hit, I was having financial difficulties and fell behind on my rent, in the amount of aprox XXXX. I was being threatened that I would be evicted. I reached out to several agencies to apply for help. One agency in particular said they would help. XXXX XXXX I let the property manager know. ( XXXX XXXX ) After the agency paid the balance on my behalf, I regained a positive rent balance. A year later, At one point, I was deciding on moving in with a family member to share the financial responsibilities. So I let the office manager ( XXXX XXXX ) know that I wasnt ready to sign a lease for another year just yet. So she started charging me a month to month rental amount, which was XXXX. Which also included a fee of an extra XXXX. In total that was a XXXX monthly rent amount for a one bedroom apartment. 
( And the complex had a bad roach  problem. ) Knowing that amount was too steep for me, I decided to go ahead and sign the new lease. This is where the drama started. I let XXXX know I was ready to sign the lease, she said she would put it in my door ( as she did with all paperwork ) and for me to sign and bring back to the office. She never put it in my door. I emailed her several times about the lease, stopped by the office to sign the lease to no avail, she wasnt there. Never received the lease. She continued to charge me the XXXX a month amount. So I fell behind on the rent. But not the amount she is claiming and reported to the company who reported to my credit report. I reached out to XXXX again. I contacted XXXX numerous of times by phone / email and stopping by the office to get the new lease and also get the correct amount that I owe so I could pay. ( I have proof ) She just kept saying that the agency would pay it, dont worry about it. So, the agency, indeed was going to pay it. But XXXX didnt send in the paperwork needed for them to pay it. And also some paperwork she sent in didnt have my name on it, ( I have proof ) so the company denied my request for help. So, she would never give me the correct amount, never would give me the new lease to sign and she kept overcharging me that ridiculous XXXX a month. I decided to move, I was afraid of being evicted. I moved out in XX/XX/XXXX. She was XXXX that I moved and reported a bogus amount that I owed ( over XXXX dollars ) to this collections company, who then reported to my credit report. Causing me to be XXXX. I believe she price gauged my rent in attempt for me to get the agency to pay it so she could pocket some of the money. Thats why she was XXXX when I moved, because her plan didnt work.
Consumer complaint received 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

XXXX changed story multiple times on an existing loan parameters. With misrepresenting along the way, I decided to pay the loan off. However Charged a late fee when XXXX wire payment was made in advance. Servicer decided to NOT apply payment and levied a {$1700.00} Default interest for a {$2200.00} payment payable XX/XX/2022. I sent proof of payment wire from XXXX XX/XX/XXXX in the loan amount billed. Furthermore, I have email evidence that NO APPRAISAL would be necessary if I did an extension on the current loan. However, XXXX went and ordered an appraisal and claims in documentation which says " may '' but I relied on the email from XXXX to confirm the costs of the extension. that was an additional {$550.00}. Prior to that, I was steered into setting up a new line of credit which cost me over {$2200.00} with the idea I could move the asset into that new line of credit. After being told I would be subject to origination fee of 1.75 % and legal costs and appraisal, I decided that would not make economic sense and did not see fair to treat an existing loan with current lender as if it was a 100 % new deal. They levied additional fees which are sunk costs.
Consumer complaint received 2023-01-12
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. (MN)

*COMPANY DOES NOT INVESTIGATE DISPUTES* I have contacted an attorney regarding the common practices that are occuring with this company. They do not investigate. They do not send updated credit reports. Been waiting over 2 months for an updated reports. ALL THEY DO IS LIE AND ARE LAZY!. 1. Putting a collection on my credit report that is not my account. 2. Putting the same account that is in collection as a regular account two others items on my credit report. A TOTAL OF 3 times that XXXX is on my credit report and they refuse to remove any of them. I AM GOING TO SUE XXXX XXXX XXXX XXXX THEM. 3. Have never provided Method of validation or written signature for any of the accounts listed below. 4. They have been reporting accounts every month as if they are active when they are not changing dates every time I dispute 5. They have blocked me from disputing online because I complained on here. I am writing this and have all documentation from every dispute on here and on their website and their lack of work ethic of resolving these issues. SEE YOU IN COURT. My lawyer has already stated they will be paying me compensation for all their lies and stall tactics. I have sent them several police reports for fraud and they have not properly investigated anything. Accounts I am suing them over : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TN)

Card showed a balance of {$280.00} when the balance was supposed to come out automatically as told to me by the tellers at the bank. It didnt and dropped my credit score XXXX points. Balance is now paid.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (CA)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-02
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. (PA)

From a collection agency called XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My XXXX  loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and XXXX again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Ive Been having an issue with XXXX, XXXX, and Experian updating my personal information. I have contact them on several occasions ( XX/XX/2022 ; ( XX/XX/2022 ) via certified mail and they have had blatant disregard to what i have asked. The only name that need to be on my consumer report is XXXX XXXX and the only address that needs to be reporting is XXXX XXXX XXXX XXXX, MA XXXX. Please remove all other names, addresses, and jobs as they do not belong to me or associated with me by any means. 

Also this is inaccurate accounts reporting on my consumer report and I'm requesting they send me a debt validation letter for the following accounts XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX  ( Original Creditor : XXXX ) acct # XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (PA)

To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company.

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of {$250.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 
The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-02
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. (NV)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX AUTO account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-08-02
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. (NV)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX  account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-01-12
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. (IL)

I have submitted two letters in XXXX and XXXX of 2022 to TransUnion asking them to remove a charged off account off my credit report and asking them to send me documentation that I originally signed for this account. They have ignored my requested by updating the account on my credit report stating that they verified the account without any documentation supporting this account. I have also asked them to remove any inquiries dating past 30 days that doesnt hold any accounts on my credit report.
Consumer complaint received 2022-08-02
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: Harley Davidson Financial Services Inc (NC)

Due to Covid I got behind on omy payments several times. In XX/XX/2022, I caught my account up. I asked the lender to delete the late fee and delete the past late payments from my credit report. The representative deleted my late fee on that call ; However, they have failed to delete the late payment history from my credit report. I have called them serval times to remind them of my rights under the cares act to and request my file be updated. I have also informed them that they are violating my rights based on 15 USC 1681A 2A : Reporting late payment is reporting a transaction.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

On XXXX of XX/XX/2022, My paypal account got shut down without any warning whatsoever..just out of the blues I received an email informing me that my PayPal account has been permanently closed. They said the reason for closing the account is because I had continually filed cases that do not align with paypaos 's buyer protection policy. This was clearly a mistake because my account has not filed any single case since ir started operating so I was quite shocked. Paypal email address is " XXXX ''.
Consumer complaint received 2022-08-02
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. (NJ)

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Consumer complaint received 2022-08-02
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: WHEELS FINANCIAL GROUP, LLC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts mentioned in this complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-12
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. (IN)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (OR)

I have been contacted multiple times from random phone numbers that when I call back are not the collection agency that is trying to reach me and they call multiple times throughout the day. As well as I am being contacted by a third party that does not own the debt I owe and they have been provided my personal information from the company that owns my debt.