davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

My ex-wife filed our taxes as joint. She has Indiana taxes and I do not. When she filed them, Indiana wrongly decided she was n't eligible for exemptions despite her military status that granted her the exemptions. 
The Indiana IRS reported poorly on my credit and I disputed it, which ended with them sending me a check for $ XXXX. 
It has been over two years and XXXX disputes later, and this remains on my credit and is bringing down my score despite it being wrong.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting XXXX bankruptcies that they state they have verified. They have the wrong address and phone number for the BK court of NJ. How can this inaccurate information be verified properly if they have wrong contact info. Furthermore I contacted the BK courts and no one from Experian called to verify. or have contacted them in any manner.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I recently tried to get my credit report through Experian. I put in all of my identifying information and followed the additional questions to help narrow down the selection. When I was given the report, it was actually for someone else entirely. It had none of my accounts or information. I called Experian customer service and they told me it was likely that I had keyed in my social security number incorrectly. My concern is that if I could get someone else 's report just by incorrectly keying in my social security number, surely someone could get anyone else 's credit history. In addition, what is the purpose of all of the additional identifying questions if their algorithm is so weak that it will give an incorrect report based on one incorrect component? What is to stop someone from blindly putting in information to get a random credit history? How can Experian justify the ridiculous tactics they use to lock people into paying for their service if it is so embarrassingly poor? I asked to receive a call back from a manager at Experian, but have received no call back.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (PA)

XXXX and Experian say I must mail in sensitive documents before I can get my credit report. Deed, Social security card, copy of drivers license etc. XXXX had errors in education and employer, and locked me out when trying to update for my " protection ''.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I currently hold a credit card with XXXX XXXX XXXX, which offers a maximum available credit balance of {$800.00}. Previously, I held a debt with this card of over {$790.00} ; however, I have paid the credit card down to {$280.00} a while ago. Thus, XXXX XXXX XXXX has not reported this correct balance on my credit reports, which reflects my credit card utilization ratio.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I have unauthorized inquiries reporting on my Experian Credit report. The unauthorized inquiries are from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (GA)

I am not sure if this is the right category for my complaint. I have contacted all three credit bureaus about my credit score decreasing by XXXX points. After speaking to a representative at both XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain it. I pay XXXX {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report. My credit score went from XXXX to XXXX on XXXX and also dropped significantly on the other XXXX bureau reports. Each agency has tried to speculate about what possibly happened and none of the scenarios presented are applicable to me. My credit utilization went from 74 % to 61 % and that, based on all credit simulators and credit information online should have increased my credit score and not caused it to drastically decline. The representative at XXXX indicated I need to go out and use some credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score drops like a rock! XXXX told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and take into consideration, now " XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not the consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (OH)

My credit score dropped XXXX points in one week with no negative impacts from my credit history.I called both XXXX and XXXX and they were unable to explain the decline in score, they even stated there were no changes to my credit history. I went through every aspect on my credit report with them from credit card use to hard inquirers and there were no adverse changes. My over all debt had even decreased. My score went from XXXX to XXXX. They just said they have no control over how the score is generated and could not provide any negative impacts that had occurred over the last 60 days. XXXX told me if I paid them money they would provide that information. I have contacted XXXX, XXXX credit monitoring and they all said they have no negative changes ... .this change in my score has caused extreme distress for my financial future and the pause in my ability to seek out loans or apply for credit cards that offer better interest rates and balance transfer. My wife and I were planning on buying a new home. 
I have received no information or help on this problem after hours on the phone with both credit reporting agencies.
Consumer complaint received 2015-07-17
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: GABA LAW CORPORATION (CA)

XXXX ( as XXXX ) is committing fraud on behalf of Gaba Law Corporation in their serving process. According to their clients, I was served In XXXX 2014 with a lawsuits from XXXX by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against in a that I was n't able to defend myself from. The fraudulent service in question was a substitute service given to a " XXXX XXXX '' who does not exist. 

The company 's name is listed on the documents, however they wo n't give me the person 's full name. Their client Gaba Law wo n't give me the person 's name and tells me to refer to the sheet, which is illegible. XXXX XXXX XXXX is acting fraudulently and should be found liable for violation of the FDCPA for falsifying information on legal documents in order to collect a judgement. Even the phone number that was listed on the legal documents was false.
Consumer complaint received 2015-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc. (OH)

my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

I have had XXXX accounts at first merit bank for over 20 years. 10 years ago I started selling items for individuals and occasionally have small estate sales. My accounts have always been individual rather than business accounts. In XXXX the bank manager said the bank flagged my account for having too many checks deposited. She informed me they wanted me to change to a business account or to supply 2 years of tax returns to prove I was claiming income from the liquidation of personal property. I complied and gave XXXX ( the other manager ) 2 years of my tax returns which were supplied by my accountant. I had assumed since I had shown that, in fact, I had claimed all income the issue with the accounts was resolved. A few weeks later I received XXXX certified letters stating that all of my accounts were being closed. Quite stunned, I called first merit and spoke with XXXX ( downtown ) and she said they were closing my accounts. I asked why. She said they did not need to explain why because they could terminate a relationship with any of their clients at any time. I had explained that I supplied what they had requested from me, and still wanted to retain my accounts. She said she would submit a request to keep the accounts open & would check to see where my 2 years of tax records showed up. I called her back 3 days later and she said since I did not give them the tax records ( which in fact I did ) as XXXX another teller at the branch confirmed that I did, they were still closing the accounts. I was never given an honest or appropriate reason that the accounts were being closed. I had done what they asked me to do. I believe this is CLEARLY a case of DISCRIMINATION and would like to allow the First Merit bank to explain their actions before I escalate further action against their institution.
Consumer complaint received 2015-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXXXXXXXXXX XXXX, Florida XXXX : XXXX XXXX Account : XXXX ; Reference # : XXXX response to your collection notice, we dispute the validity of the debt ( {$480.00} ) based on the following information : Records will show that we were good XXXX customers for XXXX years. 
In XX/XX/XXXX, we began dropping calls at our house, due to lack of reception. After many calls to XXXX and their technical service, and more than XXXX months of poor or no reception in our home, XXXX of their managers finally admitted that their lease with the XXXX tower near us had expired., which is why we had no service. We sought remedy by asking XXXX to give us a " microcell '' aka, " range extender '' so that we could use our cell phones at home. They wanted to charge us {$100.00} for rental of the device. We asked to be released from our contract ( which was to expire in a couple of months ) since we could not use the phones at home. We were told that the credit for early termination would be applied when we connect with a new provider. 

On XX/XX/XXXX we switched services to XXXX. At that time we sold our old phones to private individuals. We learned that XXXX would not activate these phones until we paid {$210.00} for undisclosed charges. XXXX received our payment of {$210.00} on XXXX. XXXX finally activated these XXXX phones, billing the new owners - while simultaneously charging us for nonexistent services over the month! 

In addition to being billed for services we were not using, we never received the promised credit for early termination. In trying to resolve the issue, we talked to many individuals whose names are listed below. At XXXX point " XXXX '', in tech support, looked up our usage and concluded that we were not able to use the phones for many months. He assured us that he got it all straightened out and that our balance was " XXXX. '' Instead, we got a notice from a collection agency " XXXX XXXX, XXXX '' for {$430.00} XXXX charge. We spoke to XXXX XXXX XXXX representatives, " XXXX '' and " XXXX. '' We were told that credit was pending. We explained the situation to the collection agency with no resolve. 
We were recently contacted by your collection agency, regarding the same matter. Your representative, XXXX XXXX informed us that the amount claimed now by XXXX is {$240.00}. Even though this amount is lower than what XXXX originally claimed, we contest its validity based on the above information. We are requesting that XXXX XXXX clear our record of this invalid debt claim and remove it from all credit reporting agencies. 
XXXX XXXX employees we spoke with : XXXX - billingXXXX- tech supportXXXX - customer careSincerely, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX and XXXX XXXX XXXX XXXX Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Relations, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OH)

I was off work on medical leave for 3 months. I slipped a bit on some of my bills. I sent Synchrony ( Lowes ) a payment to get caught up after I received an insurance settlement. They had already cancelled my account. I had been sending them money but they said it was n't enough. They call my house anywhere from 4 to 10 times a day 7 days a week. The same for my cell phone. I set up a 2 month payment with them and made the payments. The day after my second payment they called and asked for more money. I know I owe them and do n't need reminded 70 times a week. I am getting back on my feet and sending them some money but they are killing me with fees and charges on an account that is closed.
Consumer complaint received 2016-08-05
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

Describe what happened so we can understand the issue ... 
On Friday XXXX XXXX approximately XXXX pst I attempted to send money to a friend of mine via PayPal. After sending {$270.00} to him he sent me a text saying he still had n't gotten it. I immediately pulled up my log and noticed that the name that I sent it to was not his, very close but not him. Turns out that the email he accidentally gave me was XXXXXXXXXXXX when it SHOULD have been XXXXXXXXXXXX, just one letter difference : (. I immediately contacted Paypal at XXXX pst ( 7 min from transaction ) and asked for their assistance. I got transferred around and after 24 min on the phone with them, they advised me that there was nothing they were willing to do but send an email to the guy asking to refund the money ( which they never did ) I could n't believe that they were so unwilling to assist me in this matter, even though it says on their site " Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. '' I did all of this and yet they were very unwilling to do anything. Please help, how can this be good business practice in anyway, I know the amount may not see much to them but to me it 's a lot! Just an FYI my friend that I was trying to send money to is domestic, but it appears where it went is international. 

Thanks!
Consumer complaint received 2015-12-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (OH)

I have been a customer of the Paypal credit ( previously Bill Me Later ) for some time now. While reviewing the CFPB website I saw a determination of some practices that I believe I was a victim of. 

Abusively charged consumers deferred interest : The ability to repay the items that were being deferred was not easily apparent, and as such caused undue fees to be applied instead of paying items that cause additional interest. 

Made consumers use PayPal Credit for purchases instead of their preferred payment method : Merchant websites utilize whatever payment option is chosen with paypal, and the payment is not easily apparent. Multiple times I have payed for items that have used the default " paypal credit ( bill me later ). At the time I did n't realize this was something to watch out for but after reading the article there are more than a few items that I would have rather payed for up front for that I was n't clear I had the option for that are now costing me in interest. 

Please review my account and case because I feel this falls directly in line with the determination made by the CFPB in XXXX of 2015.
Consumer complaint received 2015-06-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (WI)

I do n't know how but PayPal said I opened a credit card with them and that I charged {$100.00} to a " XXXX XXXX '' in XXXX 2014. I do n't know any person and do n't think I made this purchase. After XXXX months they started charging me a late fee. I paid it off just to get them to close the account. Apparently it was some sort of deal where you got XXXX months of no interest and I reached that and started getting late fees.
Consumer complaint received 2016-07-30
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

This guy I found online on XXXX I found a gaming account I would like to buy, so I messaged him and asked him I would like to buy the account from him. He told me to send {$200.00} via PayPal as friends and family personal payment. After he received the money, he constantly told to wait. But since yesterday he blocked my number and on XXXX. He now took {$200.00} of my PayPal money and I have no way of contacting to give me my money back. The transaction occurred on XX/XX/XXXX and XX/XX/2016. The payment was separate for {$100.00} and {$99.00} I had to pay {$1.00} fee for sending. Please help.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CT)

The mortgage company does n't pay homeowner 's insurance. 
I received a letter from my insurance company letting me know that almost 2 weeks after the due date the homeowner 's insurance has not been paid by the mortgage company. The money is in the escrow account! I first called the mortgage company XXXX. They said they never received a bill. I then e-mailed them the letter of the insurance company in which they were letting me know that we have 1 additional month to pay the premium otherwise the homeowner 's insurance will be cancelled XXXX at midnight. I was told they will take care of it right away. I called the insurance company XXXX to check if the payment was made. It was n't! So on XXXX I called the insurance company again to check but still no payment! I called the mortgage company. First I was on hold for about 15 minutes, when XXXX came back I told him I am recording this call. He said fine and disappeared for another 20 minutes. Then I was told that the bill was still not paid but they will pay it that day. I asked how they will pay it and he told me via automated bank draft. When I asked for a confirmation he said he could n't give me one. He also mentioned that he " went above and beyond '' to help me. I thought it was their job to pay my insurance on time since they are collecting the money from me. 
Because I was n't able to get a confirmation for the payment I asked to speak to his supervisor. I was transferred and the supervisor told me that they will send a check today. So I again asked for a check number or some confirmation. He said he ca n't give me XXXX now but promised to call me as soon as he had one that day. He called around XXXX and told me that they attempted to pay over the phone but the insurance company did n't accept their payment via phone. So it 's not their fault that the bill was n't paid. 
Our insurance company gave us another 30 day extension. I hope by then the mortgage company will find a possibility to pay.
Consumer complaint received 2016-06-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (NV)

I have multiple charges against my credit report from a company " PMS '' Progressive Management Systems trying to collect on debts from XXXX Medical Center. I have never been contacted by PMS directly and only know of them through my credit report. They 've not contacted me either through mail or via telephone. I sustained a debilitating injury XXXX in XXXX of XXXX. I filed for XXXX in XXXX, XXXX ( I honestly kept hoping the problem would go away! How dumb was I? ) In XXXX XXXX my XXXX was approved with all charges in relation to my to be paid retroactively. My XXXX was approved retro to XXXX, XXXX. I was then approved for Medicaid at which time it was deemed that any charges concerning XXXX would be paid either through Medicaid or XXXX XXXX XXXX XXXX. All physician appointments XXXX were made due to what ended up XXXX. I was clearly not seeking physician 's expertise for no reason. I had specialists from XXXX that submitted reports to SSI throughout this span of time, informing SSI that my injury was XXXX. I met with an SSI adjudicator XXXX who also made clear my injuries were attenuating, yet it still took two years to get approved. Regardless, I am grateful for the medical approval, but need to assert that any and all charges relative to the XXXX are legally the responsibility of either Medicaid or XXXX XXXX XXXX XXXX. Again, I want to stress how thankful I am for the services that paid for my injuries, but need to hold firm in the fact that all charges from XXXX should be paid by other entities.