davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (MD)

I incurred a debit medical with XXXX for XXXX of allegedly XXXX deductible upon this debit my insurance company cont to verify no monies were owedbased on date in question I sent certified letters emails and numerous phone calls to no avail. Meanwhile acct was sent to several collections based on this I filed a small claims actions in XXXX XXXX of MD XXXX XXXX where a trial was had Honourable Judge dismissed both claims including attorney counter claim on this date I was shown an invoice that I had never received. Based on that invoice even though court had dismissed I paid with Certified Check .bank shows where check was cashed.after cashing check collect cont even though I owe nothing receivables Management Systems cont and has inserted this debit ad being owed and accurate causing a severe drop in my credit score and refuse to remove
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I subscribe to a credit monitoring agency XXXX I was alerted that a credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has flagged my account as collections. I do not owe any amounts or bills that are past due and recently had a credit score of XXXX and XXXX. I contacted the company XXXX and asked why this is on my report. i was told the information was erroneous reported and however they can not remove it form my report at this time. I asked them for a letter stating the information error but they refused to help in any way and told me they would not put anything in writing. the employee XXXX XXXX on XXXX/XXXX/2016 said she felt it would not hurt me but i have nothing in writing showing it was an error and their mistake. I also contacted the manager XXXX XXXX on XXXX/XXXX/2016 and he agreed it would be removed. I believe this company has done detrimental damage to my credit report for no reason at all due to their mistake and erroneously reporting.
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MD)

Why would the credit reporting agency want anyone to send their personal info to a XXXX consumer would have no idea if it is received by the appropriate party or lost in the mail ... Second when calling the reporting agency no human to talk. I personally made a mistake due to not understanding the voice prompted program and with XXXX of the agencies placed a freeze not knowing what this was for my only concern was my personal identity theft since my home was broken into and my social security card and financial documents were taken ... When you are under a lot of stress they should provide a human to handle these types of calls ... The consumer does not have any idea of the difference when initially contacting the agency.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (IL)

They do n't remove creditors after 7 yrs, or when the creditor has been assigned to attorney they potentially negative closed status is on file or status unknown when collection paid this is true with XXXX bank, XXXX, and XXXX
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to settle an old charge off on account # XXXX that had a balance of {$460.00}. 
I was referred to XXXX that is the company who is in charge of this account even though XXXX XXXX XXXX is the XXXX reporting to my credit files. 
I was able to get a hold of XXXX, and we agreed to settle the account for less than the full amount. I spoke with XXXX XXXX in regards to the account and the agreement was for me to pay 55 % of the balance owed and my payment was going to be for {$250.00}, the confirmation # given is XXXX. This amount was deducted from my bank card and they agreed to show on my credit report a balance of XXXX and a notation that the account has been settled for less than the full balance. On XXXX XXXX, 2016 I pulled a copy of my credit report and it shows that XXXX XXXX XXXX is now showing a balance of {$200.00} for the remaining that was not paid, and is supposed to be the forgiven amount. 
According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes found. 
I thank you in advance for upholding the federal laws as directed by FCRA and address this incorrect information being reported by XXXX XXXX XXXX. 
For a creditor not do this is a violation of the FCRA. 

XXXX XXXX.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Patenaude & Felix A Professional Corporation (OR)

I had a collection agency Patenaude & Felix call at work. When I picked up I was surprised to even hear them state they are a collection agency trying to collect a debt. I interrupted them and stated that this is a work phone and to not call back. I hung up. After that I have received several more calls and voicemail from them. I received a garnishment letter from my employer stating that Patendaude & Felix is garnishing my check. I called the company and they verified that the phone number they have on file which is my work number and that the second number to call which is my actual number. They than said that they have a mailing address of XXXX XXXX for me which was just updated. and stated XXXX previous addresses. I said that I have lived in the same house for over 5 years and the XXXX XXXX address is my work address and i just started working here 2 years ago. so it was weird they had that address but not my current address that I have had for 5 years. I also stated the other XXXX addresses were from XX/XX/XXXX. I asked how they can not send me any notification through the mail and how they can have an address form XX/XX/XXXX and my work address from XX/XX/XXXX but not my current address from the last 5 years. I have no clue how they can conduct business or how the courts can give them a judgement when I was nevered notified. I called and told them that I have been paying everything off that was on my credit report so I can rebuild it and have been working on this for the last 2 1/2 years. I stated i have never received anything from them and Im willing to set up a payment arrangement in order ot stop them form garnishing {$550.00} out of my check. They said the only way is to pay {$1000.00} down then they would stop the garnishment and refund my {$550.00}. I said that I do n't have that kind of money. I said can they just keep the {$550.00} that was taken out of my paycheck as the down payemnt and then start a monthly plan. They refused. I said Im trying my hardest to get this resolved and you are not making it easy especially for someone that was never notified. I received a notice from a debt collector a month ago saying I owed on a credit card. I immediately called them and set up a payment plan. So im not sure why I never received anything from them. I get I owe them the money and I want to make it right but when you only get {$1500.00} a month and they take out XXXX that leaves me XXXX and my car payment is XXXX insurance is XXXX, phone XXXX, plus rent and utilities and my current {$50.00} a month credit card bill and the now {$100.00} for another past due credit card. I also owe taxes because im single with no dependents so I owe every year. How can this be fair. I just want to pay them but also want to be able to pay my other bills. I was at a XXXX credit score 2 years ago and now XXXX which I have worked hard to get to. Now what do I do? not pay my bills because of this crazy company?
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have tried for at least 6 months to get items that are incorrect and or not mine removed and Experian/XXXX seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (DC)

XXXX uses Experian for identity verification in order for me to sign up for heath insurance on the XXXX Website. I have been unable to sign up for health insurance based in whole or in part on inaccurate information in my Experian Credit Report. The reason I know it is inaccurate is that I was directed to call Experian and I did so and during the call the Experian agent asked me a number of questions about myself based on information obtained from their records. As the completion of the questioning I was advised that Experian is unable to verify my identity based on some difference between my answer and their records. The agent did not identify which information I provided that was supposedly inconsistent with their information. Because Experian did not identify which of the questions I supposedly answered incorrectly, their process precludes me from requesting specific correction.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (IL)

I have disputed XXXX XXXX, XXXX, and XXXX XXXX since XXXX of XXXX. I recently disputed a Bankruptcy on my credit profile XXXX/XXXX/XXXX, which I have not received notice that this entry is being investigated. I am a victim of identity thief and want these items removed. I have asked Experian to provide verification documents as of XXXX/XXXX/XXXX for XXXX XXXX ( XXXX accounts ) and XXXX XXXX. They have failed to provide such documents. Then, they allow XXXX XXXX XXXX ( collection agency for XXXX ) to post an entry on my credit profile, even though Experian removed XXXX. 
I asked this credit reporting company to provide me with documents to how these entries are " verified '' and remain on my credit profile. Under FCRA section XXXX XXXX a ) ( XXXX ), a consumer has the right to ask for validating documents within 15 days of an item being disputed. Has it not been more than 15 days? Have I not previously asked Experian to provide me with documents to support fraudulent entries on my credit profile? It has been going on 6 months since my disputes began, and I am still struggling to get an answer, documents, or removal of fraudulent activity on my credit profile.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I have a collection record on my credit report with Experian. This collection is regarding a medical bill. The reason that this bill is not paid on time is that I was never informed that I have this unpaid bill by either the hospital or collection company. 

First, I have never been contacted by hospital for this bill, and I thought it is paid by my insurance company. Second, after the bill was transferred to the collection company, XXXX XXXX, this collection company never contacted me regarding this bill as well. In fact, I never know this unpaid bill was existing until the landlord told me I had a collection in credit report when I applied the apartment in 2014. 

It is the hospital and collection company 's fault for not contacting me, while not my fault to refuse to pay it. My insurance company can cover the bill directly, so that I do not have motivation to default on it. Both XXXX and Experian have removed this wrong information after I dispute with them. 

Experian is the only agency that refused to remove it after I disputed with them twice. I strongly believe that Experian does not do their investigation and due diligence well, and allows this wrong information to continue shows on my credit record to indicate I had a bad record to pay the bill, which is clearly not the truth according to the facts I listed above.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX WA XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Case number : XXXX On XXXX/XXXX/16, My request was to have the " account in dispute '' remarks deleted. I was told by Experian that the creditor refused to remove the comments on XXXX/XXXX/16. And since " the creditor pays them and the consumer does n't '' the comments will remain. 
On XXXX/XXXX/16 I requested to receive a copy of the information submitted to XXXX. 
Experian is unable to provide me docuementation stating the specific details of my dispute request. Their system shows the request, but they are unable to provide me a copy of the request they sent to the creditor. I also asked for a copy of their policy that states dispute remarks can only be removed by the creditor ; they will not furnish that documentation either. 
How can I determine as to whether my dispute was submitted appropriately? Fannie Mae requires that such remarks be removed from the credit report. I am supposed to close XXXX/XXXX/16. 
I added a statement to my report to reflect that I am not disputing the acct, the creditor refused to remove the comments and Experian will not remove the comments without the creditor permission. 
How CONVENIENT and UNFORTANATE it is that MY statement can not be seen by the mortgage lender, but I can see it on my report online from the Experian website! 
This is a miscarriage of justice and Experian 's DELIBERATE WILLFUL VIOLATION of my consumer right protected by the FCRA to have or not to have my OWN consumer statement on my credit report! 
See attached letter to Experian.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

An item from XXXX XXXX XXXX XXXX is being reported on my Experian report, I 've had it removed from XXXX and XXXX, I 've filed several disputes with Experian and they still wo n't remove the item, which is n't mine, it 's causing stress and XXXX XXXX XXXX. It 's messing up my score and it is n't fair to continue to report something that is n't mine and has been removed from XXXX out of XXXX major credit bureaus.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

I would like to check my credit report but I am unable to do so because none of the questions nor answers pertain to my history. I suspect they 're must be an issue due to identify theft. I need more information as to what my next step should be in order to get my report and if they 're is fraud I can get this straightened out sooner than later.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title, deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. XXXX and Experian refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible
Consumer complaint received 2016-12-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Marlette Funding, LLC (VA)

I have a loan I took out with Best Egg. Every time I login to check a balance or see activity they have denied me access to it from the beginning even though I have never been delinquent. When I have repeatedly made the request to have it available to me online when I log in -- they always give me the excuse that they can not post the information online because it is a privacy issue. The only hope I have of even getting close to getting a statement is by looking at the payoff balance which they tell me is subject to change at any time. I have access to all my daily activity reports and statements with all my financial institutions. There is no excuse for telling me that I can not see any statements online. I believe that they are withholding information that they do not want me to have access to. If so, I will apply for another loan elsewhere and close this one out but right now, I have not seen anything approximating an accurate or up to date statement. My sense is that they are scamming me somewhere in the process.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

Experian.Com has reduced my XXXX and credit score to " Poor '' based on an account that has been closed since XXXX which has recently shown up on my credit report as unpaid. The account shows that it was opened in XXXX XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. 
XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
Consumer complaint received 2017-02-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK (CA)

I asked Discover to validate the dept. they claim I own with proof baring my signature 'from a transaction or application '' they failed as well did n't follow rules and place a note the account was in dispute with credit agency 's even unto the court date, they still have n't verified or placed the notes in dispute as by law
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK (MD)

Earlier this month, I received the Annual Privacy Notice Statement from Discover. On XX/XX/XXXX, I tried to check my privacy settings online at Discover.com. It was impossible to find my privacy settings. I called Discover to find out the information. The representative told me to check my user agreement. That was not helpful. 

Later that day, I sent a secure email to Discover requesting the information to check my privacy settings. The representative ignored my request. I want to be sure the privacy settings are correct, but the Discover representatives are not providing the information so that I can check to be sure the information I want restricted is restricted.