davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

I am filing this compliant this because Experian has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts. Being that they have gone past the 30 day mark and can not verify theses accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (TN)

I was a victim of ID theft approx XXXX years ago and the key perpetrator was caught and convicted, yet there were other instances where my ssn and/or my name became associated with another individual. The most recent example was when attempting to confirm my identity to access my XXXX XXXX account, they used a XXXX product from Lexis-Nexis to try to validate my identity. Lexis-Nexis asked that I confirm city of residence of someone that I have never met and proceeded to deny my access because I declared that I did not know this individual when their records indicated that I should. I looked at available options to correct the data Lexis-Nexus maintains, but only options offered is a copy of a report that I already know has inaccurate data, which even for this requires much too much effort on my part to access my own information that they sell to others for a fee. 

While I can not proactively scan the world to see where else data on me is not correct ( e.g. when opening an account with XXXX Bank XXXX weeks ago their system showed my ssn associated with someone else ), when I find specific examples I need assistance to remedy. 

Please advise, anxious to clear up issues wherever I can. 

Thank you
Consumer complaint received 2015-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (TX)

XXXX customer service made calls to my phone while I was overseas right after I informed them that my phone was not working. XXXX even informed me that I will not be responsible for any customer service calls that they themselves made to me and when I received the bill, they charged me for calls that their customer service rep made to my phone while I was overseas in the amount of {$260.00}. I have had about XXXX different debt collection companies harass me about this same unjust debt. 
IC System located at XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX, is the current harassing me now about the same debt from XXXX after they stole my identity from XXXX.
Consumer complaint received 2015-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (WA)

My mortgage was transferred to LenderLive for servicing after we closed our loan. Once transferred, we submitted a form to request automatic ACH debits. Although they advertised online submission of the form, it was impossible to submit online. After attempting multiple times to submit online, we physically mailed in in the form. It has been three months since we submitted the form, and we have received no response, despite a promise for a response in less than 30 days.
Consumer complaint received 2017-02-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CT)

This is my second complaint about PayPal. They originally set a reserve on my account that was for about {$8300.00}. I was notified and found it unfair. However, they refused to make any adjustments. 

Now, without any warning, they 've kept much more than that. Every time I get a new payment through PayPal they increase the reserve. As of now they have nearly {$10000.00} in the account. They say this is decided based on your risk factor, including - credit score, payment amounts, disputes against you. Since the first reserve was set, my credit score has increased, I 've taken a smaller amount in through PayPal to avoid being high risk and I 've had ZERO disputes against me. This is bizarre. 
Not to mention the last number they gave me is {$9.00}, XXXX for my reserve and they currently are holding MORE than that. The same day customer service gives me that number. Really? I highly advice against using PayPal for business - I 'm using multiple other merchants right now and they treat me amazing. PayPal is basically stealing from me every time I take a payment ( Considering they give no warning and change the number as soon as a small payment goes through ).
Consumer complaint received 2016-04-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (TX)

My husband and I bought our first home in XXXX 2014, we refinance in XXXX 2014 with a company named United Security Financial Corp. they gabe us a monthly payment to which they supposed to have all the correct information of the principal, interest, taxes and insurance. After more than a year with them we received a letter from them saying that we owe them more than XXXX dlls because the taxes were more than we paid in the scrow ammount. Now they have transfer our loan to another mortgage, but they increased our monthly payment more than XXXX dlls in order to pay the difference of what they pay for oir taxes and insurance. We have a budget for all our expensives and now with this mo thly payment they want us to pay it is just so bad for our finances right now. They should 've done the right tax search since the beginning so we will be alert of the increase. When i call them they told me that it is our problem and we are responsible for paying for it even though they made the mistake for not having the correct ammount for our taxes. I do n't know what to do now with this increase of my monthly payment.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (IL)

Several months ago I went to check the rewards points on my PNC credit card, which I have had for a couple of years, and realized I did not have any points. I called the service line to find out more about why I could n't find my rewards points on line and they said that I had opted out of the rewards program. I told them that is was not correct. I did not opt ouf of the rewards program and did n't know why anyone would. They said they 'd look into the issue. A few weeks later I received a letter in the mail telling me that becuase I did not notify them within 60 days of the opt out they could not credit me back all of my points, but as a " courtesy '' they would reward me my points for the last 60 days. I knew that I had not purposely outed out of their rewards program and so I called their service line, again, and asked to speak with a manager this time. He looked into the case and told me that when they ended their rewards program for the debit card, Their system must have also unenrolled my credit card from the rewards program becuse the two were linked and the debit card was the primary card for the rewards program. No where in the literature that I received about the debit card rewards program ending did it say that I needed to take action to ensure that my credit card would continue earning rewards points. As a result of them opting me out of rewards completely, I had not been earning rewards points for a year and a half. The manager calculated that I had spent over {$31000.00} on the card during that time and that they owed me over XXXX points. I 'm not a person who keeps very close track of my credit card points or choses a card solely for the points, but this felt like a lot of points to simply forfeit. He said he would submit the request for these points to be credited to my account but could n't ensure that it would be approved. Of course, it was not approved ( this was in XXXX of this year ) and the points have never been credited. I 'm to the point now that I am simply going to cancel the card. However, I wanted to submit this complaint because I 'm certain I 'm not the only consumer to which this has occured. It appears to me that a techical mistake on the part ( unenrolling the debit card and credit card at the same time ) of PNC is causing card holders to unknowingly miss out on their credit card points. Having workd in the XXXX for the last 7 years, this feel like an injustice that needs to be brough to light. The reference # of my case is XXXX.
Consumer complaint received 2016-07-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

hello, there are XXXX things on my report that I have verified with XXXX XXXX XXXX that are incorrect on my Experian Report, and XXXX stated they have contacted Experian to remove this verbage and incorrect statements. " Paid in Settlement {$220.00} written off '' is a false statement, and inaccurate information.I was told by a XXXX representative, it should read Account Paid Account Closed. It also shows a CHARGE OFF in 2015. There was nothing charged off in 2015!!, and I want that corrected as well. There was no activity on my Honda Accord in 2015. Please help me. Thank you so very much!
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TN)

Experian is reporting INACCURATE information. Experian is reporting that XXXX XXXX was opened in XXXX 2011. The payment history is saying this account was in collection as of XXXX 2011. It stating I have " failed to pay '' prior to the account being opened. I have disputed on numerous occasion. It also shows the last status update is XXXX 2011. I have submitted paperwork to Experian showing the correct date the account was opened.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

Credit Bureau failed to comply with my FCRA section 609 ( a ) ( 1 ) request by not providing the requested information. I sent a letter clearly outlining my request with appropriate proof of identification and payment for consumer disclosure ( please see attached ).
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

THERE IS SO MUCH OLD INFORMATION ON MY REPORT. THERE ARE CREDIT CARD BALANCES THAT SHOW A BALANCE OF {$80000.00} THAT SHOULD BE {$5000.00}. THERE ARE ACCOUNTS AND MORTGAGES THAT HAVE BEEN CLOSED FOR YEARS.
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I am working with a credit consultant to better my credit and we have not received a credit report from Equifax. I have been doing everything I need to as far as getting my credit caught up. Just not sure why Equifax ca n't do their part. As far as I know my credit consultant has made many attempts to get this report from them. Thank you for your time!
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts using my identity. I have been receiving harassing, threatening and death threats telephone calls from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX is mis reporting the date of last activity to Equifax for my old master card account. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX XXXX and XXXX ) however, on Equifax it is reporting XX/XX/XXXX.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I reviewed by Equifax report and found an entry from XXXX. I have requested 4 times documentation from Equifax and XXXX XXXX to send to me that they use to verify that this debt is mine. I have yet to get an accurate response.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

Equifax And Ally Financial Are Continuing To Report Inaccurate Information To My Credit Report. Equifax And Ally Also Continue To List My Monthly Obligation To Them At {$640.00} Per Month. Equifax And Ally Financial Are Continuing to Report Incorrect Information On My Credit Report And I Would Really Like It Corrected.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I was approved for IBR but told I was n't, and given a massive new monthly payment. I called and was disconnected multiple times. When I did reach them, it was after an hour 's wait. They told me my IBR went through, and I owed approximately {$300.00}, that a bill would follow. My bill was then for {$900.00}, and indicated that this was my amount to be paid through IBR. Again, the hassle of getting through to a human being on the phone. When I told them all that had happened, the woman put me on hold abruptly, where I waited 10 minutes, then came back and told me I owe {$280.00}. No explanation, told me this was the final IBR amount and that is what I should mail.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

I have an item from XXXX that was showing as a collection account from t mobile. for XXXX.When I noticed this amount on my credit I contacted XXXX to find out why I have this amount in collections since I currently still have service with XXXX. They advised me it was due to me upgrading my account. I was n't aware of the amount and found it strange to collect on an amount when service is still being rendered by the organization. So I paid the amount in full and wrote to the XXXX in regards to the situation. I received a response from the XXXX on behalf of XXXX as well as a XXXX agent calling me advising that as of XXXX XXXX they requested the collection agency to have this negative information removed from my profile with the CRAs and it would take up to 90 days. It was removed from XXXX and XXXX but still reflecting with Equifax. When I wrote to Equifax they advised me that they are reporting accurate information and it will not be removed. The XXXX agent assured me this would be removed and I have this in writing so I want it removed from my Equifax report. Its almost been a full year since this issue was resolved and I would like to be compensated for my time and stress this has caused due to this issue not being resolved in a timely manner when I sent Equifax this proof in writing. It seems as if they are being discriminatory and just see a XXXX name and say hey leave it on there even with proof she was told this would be removed!
Consumer complaint received 2016-05-17
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (OH)

There was an unauthorized transaction on my prepaid XXXX card from a company somewhere XXXX. I called the day I found out and cancelled the card. The csr told me she would email documentation that I had to fill out and email back. I did n't receive it and what turned into XXXX csr 's and a supervisor later I still have yet to receive this mysterious documentation. It 's not a large amount but I am a single working parent trying to support my child. It wo n't break their bank it broke mine. A company in XXXX was also trying to make a withdrawal but I cancelled the card just in time.
Consumer complaint received 2015-11-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Bliksum, LLC (SC)

I took out a loan with Loanme in XXXX, the payments were coming out of my bank account automatically. I stopped that process in XXXX because i was experiencing hardship. The company agreed to me paying XXXX dollars for 3 months, which is XXXX. I continued making payments to the company, but they started harassing me, calling my phone 5 days a week, XXXX time a day for all types of reasons. I asked over again for them to stop calling, but to no avail. i even had a customer representative tell me she was not going to stop calling. This behavior of the company has caused me a lot of stress.
Consumer complaint received 2015-12-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Walwick, Inc (CA)

Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to accounts you 're reporting to on my credit reports Please be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer-reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports XXXX is a clear violation of Public Law XXXX ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

Equifax has been changing my credit score constantly is in the XXXX now and a month ago it was XXXX. And in a month it dropped XXXX points and I do n't understand how that 's possible no changes were made. There is an account on listed shown as XXXX that has been closed and should be removed. There is a current in beat that is open and that is current and correct. Also there is XXXX that 's been on there for a very long time that 's been paid off and should not be on there. Well I am making a complaint XXXX has failed to show any credit score of mine at all. Please help me figure out why they are doing this to me thank you.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I made a compliant to Equifax about a dispute I did not open. I did make a compliant to Equifax that when you do file a dispute they pull your credit score down during the investigation XXXX points making it hard to apply for credit during the time of an investigation that can take 30 -60 days. Instead of taking in the compliant to let them know they need to change that system because it is not fair to the customer. Equifax did a dispute without my consent during a time I am looking for funding. Because of what they did I can not apply to until they update the system because it pull my score down making it to low for me to get funding. I was at XXXX before the did the dispute and now it is at XXXX. I ask them to cancel dispute on XXXX XXXX, when I notice the change in my account I have with Equifax membership they told me it would update in 24 hours that would have been on XXXX, XXXX and it was not updated or cancel. I waited until after the XXXX holiday on XXXX XXXX, hoping it would have been updated still nothing. I called and spoke to a supervisor and ask why did n't my dispute get cancel and she said it was done wrong and she will do it the right way and it will take 24 hours to update. So on the XXXX XXXX, it should be update and still no change. I call in again on the XXXX XXXX, and they told me dispute was cancel but there is no change in my report or score. It is now the XXXX XXXX, and I still do not see any update on my credit showing the dispute was cancel or the score was changed. This is complely destroying my business and my life. I can not get the funding because of it. All I ask was to stop the dispute so it can go back to XXXX instead of XXXX. And they will not do it. They keep on blaming the machine but soon as they did a dispute my score changed right away. Soon as they cancel a dispute 9 days later still no changes. This is so one sided I am so stress out from this is destroying my life. All I ask was to cancel a dispute that I did not ask Equifax to do in the first place but I am the one suffering from it. I attach proof of score change, alerts with dates attached to it proving what I am saying. Please tell them to update my report showing the dispute was cancel or I going to go out of business without funding. I feel like they are punishing me from filing a compliant against there system. 
Before dispute XXXX, After XXXX and now still XXXX XXXX still XXXX. And the alert showing when and what account that got disputed by them.