davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I have recently applied for credit and did not get approved. It prompted me to pull my reports and go over the information in them. Upon looking into things, I noticed there is a bankruptcy on my credit reports with information that does not make sense. I imagine no one would ever have a bankruptcy for {$0.00}. I then went to the credit reporting agency Experian and sent them a letter to fix this information. After doing so I went to the local county clerks office to see what information they give out to the reporting agencies that ask for it. I was informed that they do not talk to the reporting agencies at all. This confused me because when I looked on my report it said that the dispute of the bankruptcy was investigated and they found it to be all correct. If they do not go down to the clerk 's office at the court or at least call and find out all applicable information then the investigation was not done and they have broken the law. In addition the incorrect information is still on my credit report and I am unable to qualify for any credit products which is making it impossible for me to eventually buy a home. I need the information in my credit file to be correct, and I need Experian to do the job they are required to do by law or remove the incorrect backruptcy off my credit file. Please help because talking to Experian directly has proven to be futile.
Consumer complaint received 2015-04-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (TX)

Hello, I changed Homeowner insurance companies in XXXX, 2015. My insurance company ( XXXX ) and I both called the insurance company on a conference call to inform my mortgage company ( Statebridge Company, LLC ) about the change. The person took the information and changed it in the computer as XXXX gave them the updated information. I received a letter in XXXX, 2015 from the previous insurance company stating they received a check, however the policy had been canceled and the check was being returned to Statebridge. Both XXXX and myself have made several calls to Statebridge and XXXX XXXX XXXX. Apparently Statebridge contract out their insurance service to XXXX XXXX XXXX. I called XXXX XXXX XXXX. on Tuesday, XXXX XXXX, 2015 and was told I had to fax over the cancellation later from the previous insurance company. As of today is XXXX XXXX, 2015, I do not have any homeowner 's insurance on my home. I also received a letter from Statebridge on Monday, XXXX XXXX, 2015, stating that Statebridge was going to do force placement insurance on my home. They have all my insurance information, therefore why would they send me a letter stating I do n't have insurance? This entire situation has taken a toll on me and I am very frustrated with the lack of communication between Statebridge Company, LLC and the XXXX XXXX XXXX. company they have contracted to send out their insurance payments.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. 
XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked XXXX XXXX, XXXX
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

My husband and I separated in XXXX XXXX and settled support issues in XXXX County court in XX/XX/XXXX. Equitable distribution did not occur. We agreed in XX/XX/XXXX ( mediated by attorneys ) that he would occupy and assume all financial responsibility of the marital home as I moved to Florida with our daughter in XXXX and had rent and bills of my own. His agreement was to pay the mortgage, taxes, etc until divorce was final. The house was for sale but he passed on XXXX great offers and 3 years later unbeknown to me, he defaulted and filed bankruptcy 3 years after that. Since I did not live at the address and XXXX said ( after the fact ) that they could only mail to one address, I was unaware of what had occurred. I received no communication from my ex or XXXX! They continued to send correspondence to me via mail to an address that was years old. As my credit began to tumble ( credit cards, denial for car loan, etc. ), I ran a report and contacted XXXX to explain the situation and they treated me as if I was in bankruptcy and headed for foreclosure. My credit is outstanding ( minus my ex-husband 's default ) but since this default perpetrated by my ex husband was not removed from my report, I have been denied an SBA loan and HELOC to start my own XXXX. I am unemployed and need to have this removed from my report in order to regain my credit in good standing. I should negatively affected by this reporting on my credit. I am not protected under any bankruptcy and since finding out the gory details, I have moved to get this house sold to stop the foreclosure and expedite a short sale. I understand that XXXX XXXX does not recognize my legal separation or divorce decree, but a few lenders told me that laws have changed and if a letter from the " responsible party '' is presented, the credit bureau can clear this off. Please clarify. In addition, please help me to have this removed from my credit report while I am not proactively working as a mediator between my ex husband and the bank to recover the defaulted funds from a short sale- which I also DO NOT want or need on my credit report.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; ACCEPTANCE NOW XXXX B LENDMARK FINANCIAL XXXX XXXX SECURITY CREDIT SERV XXXX SUNBELT XXXX DESIGNED RECEIVABLE XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX SUNBELT XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PA)

Experian was reporting incorrect addresses for me. I disputed the incorrect information and they deleted my current and CORRECT address they are reporting me as having an address of XXXX, PA XXXX THIS IS INCORRECT - THIS IS A BUSINESS ADDRESS MY CURRENT ADDRESS AND HAS BEEN IS XXXX, PA XXXX I WOULD LIKE MY ADDRESS CORRECTED
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department ''. ( please see attached Credit Report excerpt ).
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I ca n't work with Experian anymore, because they continually mess up on credit reporting. Recently, they just added an account and listed me as an " authorized user '' I have no knowledge of this account, and it TWICE on my credit report last month, after I challenged other credit items on the report. I need these accounts removed from my credit report immediately. They do not belong to me. Amount is XXXX
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

My XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. XXXX XXXX was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of XXXX mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by XXXX USA staff.
Consumer complaint received 2016-03-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (WA)

PAYPAL does not accept my XXXX XXXX XXXX [ issued by the US treasury for my VA XXXX Pension ] I have NO problems on ANY other website PAYPAL has been non-responsive to provide a " WHY '' I hope this has nothing to with me being XXXX or a Veteran XXXX XXXX
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AL)

Experian had removed XXXX, XXXX, XXXX, XXXX XXXX, XXXX off my credit report and they have recently added it back to my credit report I have never authorized this or gave my consent to have these account added back to credit report. I want Experian to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX in accordance with basel XXXX accord and XXXX. I would also need a copy of your Tax Registration certificate! 

Once a item is removed it can not be added back please follow the rules fdcpa. I want these accounts removed as they had been once before. I had sent in my police report of identity theft. I want this taken care of asap.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (OR)

I received a credit card that I did not apply for from Discover. When I contacted the company my experience was very suspicious. When I Gave the woman my SS number on the phone there was complete silence for several seconds when I asked are you still there? She acted surprised and asked me again for my SS number. I gave it again and she asked another time for it as if it did n't match her records. After several minutes of conversation and verifying my info she asked a fifth time for my SS number. At that point I got terse with her and said " You have asked for my SS number 5 times, what is going on here? '' I then asked her for my SS number and she gave it to me. I then asked for all information she had on me. This included a fictitious email address and a long past phone number of mine. When I checked my credit the following day I had no indication of identity theft and not even an inquiry into my credit from Discover. I do n't know what is going on here but It seems that Discover may have purposely issued this card as an aggressive and illegal sales effort or perhaps issued it wrongly without verifying my information. I believe this needs to be investigated by the U.S. authorities.
Consumer complaint received 2015-10-09
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XXXX XXXX, 2015 my Paypal account was hacked and fraudulent charges totaling {$550.00} were processed and pulled from my bank account. I immediately called PayPal and followed their procedure to reset my password. I was told by the agent that the funds would be returned within 4 days. However just 4 days ( today ) later my account was hacked again and this time {$660.00} dollars was transferred to a fraudulent email address. 

I immediately called PayPal again but this time I was told I needed to reset my password again but this time via my phone. I was instructed to open the email sent by PayPal and to click on the link to change my password. This did n't work as the link in the email failed to open to the correct page on PayPal 's website. Then she asked me to do the same with my tablet, again the link did not work correctly as it only took me ot the PayPal home page and not the page I needed to reset my account. 

Then I asked how to secure the account and she said it needed to be " restricted '' but when in restricted mode, I would be unable to transfer any returned funds back to bank account. In addition, she told me it would take 5-7 business days to get my refund even though the first agent told me it would take 4 days. 

I then asked to speak to a supervisor and was told that none were available nor would any be available any time soon. I gave up and hung and called back and again, got a different agent and again asked for a supervisor. This time, a supervisor came on the line right away. 

But now the supervisor claimed the transactions originated from my PC, which of course they did not. The transactions on XX/XX/XXXX occurred in the middle of the night when I, my wife and little boys were sleeping. The transaction today occurred when my wife was at the vets office with our XXXX sons and I was 60 minutes away at work. 

Next he told me to just wait 10 days ( up from the original 4 ). Otherwise he would simply just " settle the case now and rule against me ''. So I asked " So you 're telling em to shut up and wait or you 'll rule against me? '' and he responded with " I suggest you wait the 10 days if you want to get your money back. ''
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (UT)

I have an account reporting negatively on my report that I have never been late on and that I was on XXXX for. I have to documentation to show that I have never had any type of late payment and that I was on XXXX and it should be removed.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I had a student loan account with XXXX from XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT NOT REPORTING CORRECTLY. I HAVE DISPUTED THIS WITH EXPERIAN AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT. THIS ACCOUNT IS NOT DUE TO COME OFF TILL XXXX OF XXXX, IT A POSITIVE ACCOUNT ON MY CREDIT REPORT. WHEN I DISPUTED THSI I WANT THE ACCOUNT TO BE UPDATED NOT DELETE. I CONTACT THE CREDITOR GRANITE STATEMENT MANAGEMENT AND THEY SENT ME A PAYMENT HISTORY OUT THAT SHOWS MY HISTORY ON THE ACCOUNT FROM XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT SHOWS FIRST REPORTED THE CORRECT DATE AS XXXX XXXX XXXX. BUT ON MY EXPERIAN CREDIT REPORTS MUCH LATER IT SHOWS A DATE THAT IT WAS FIRST REPORTED AS BEING IN ACCURATE. SO I DISPUTED THAT AND WITHIN A COUPLE OF DAYS IT WAS DELETE OFF OF MY CREDIT FILE. XXXX SENT UPDATES TO ALL XXXX CREDIT BUREAU TO GET IT UPDATED AND I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE SINCE IT REPORTING POSITIVE ON MY CREDIT REPORT. I HAVE ENCLOSED MY CREDIT REPORTS TO SHOW PROOF AND A STATEMNET HISTORY FROM XXXX
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (SC)

The credit bureau would not properly investigate the public records that are not mine according to the State of South Carolina Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (WV)

Experian is currently reporting a Ch XXXX Bankruptcy on my personal credit report. However, the name and address associated with the bankruptcy does not match either of mine. I have requested they remove the item but they have not yet despite my continued disputing of the item. 

The associated line item has an acct # of XXXX on my credit report.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have disputed unfair medicare billing on my credit report. I 'm asking for that to be investigated. They were entered as separate bills for the same ER visit. I am also asking for my credit score to be re-scored now that my student loans have been deleted and this investigated.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I have disputed these accounts with Experian at least 3 times and they have yet to provide me with documentation that they claim they have on file to verify these incorrect accounts on within my credit report. In addition, to going over the 30 day mark by law according to sec 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed!!! Please HELP me resolve this matter.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

The issue is that I am tired of playing around with these Credit Reporting Agencies. I have attached the letter that I mailed to them, which is certified, notifying them of my intent to sue and that is dated for XXXX/XXXX/2016. I am not playing with them anymore. This has been going on for the last 10 months. No one has verified any information, sent me anything, other than these pointless letters or stall tactics. I will be suing for the amount that the law allows per account on my credit report. The other agencies are following suit and removing the items that I have disputed because they know that they are not mine. You are allowing items on my report that you have n't properly verified and that is against the law. I will dismiss my lawsuit once the items are removed. I have attached the letter that Experian sent, saying they were not going to remove any items. They are trying to blame the furnisher instead of taking responsibility for not verifying the accuracy of the items through proper channels and actual verifiable, tangible proof. 

Lastly, they refuse to update my address. I have sent proof that I do not live there anymore and they keep sending the same non sense to my old address instead of my new address, which is XXXX XXXX XXXX XXXX, XXXX, GA XXXX.
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Argon Credit (IL)

XXXXARGON is indicated I opened a loan with them ; however, I have never opened an account with that company. They have not helped me verify the loan, and they continue to report it to XXXX. Additionally, they indicate the loan was opened in XXXX 2015 ; however, the loan is now indicated as late 31-60 days and it started to appear as of XXXX XXXX, 2015. This is how I found out about this loan and subsequently contact XXXXARGON. To-date, they have refused any form of help to resolve this fraudulent account.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX is claiming they bought account ( Account # XXXX ) with a balance of {$1100.00} belonging to me from XXXX XXXX XXXX ( Account # XXXX ). I have no knowledge about so, I ask disputed on Experian website for XXXX XXXX to provide me the necessary information that show that account was open by me. They have failed to provide any documentation rather asking me to call them so I settle this account with them.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I first launched a dispute with Experian back on XXXX XXXX, 2015 when I discovered XXXX accounts on my credit that were not manufactured by me. Unfortunately something that I thought would take about 45 days to clear up has gone on for almost 9 months. I really feel like I am being ignored. I was advised to contact you first before I file a federal law suit. 
I am disclaiming the following XXXX entries on my credit and request that they are removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (GA)

I paid Barclays Bank back on XXXX/16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal