davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MO)

I disputed this charge in XXXX due to fraudulent credit card use/not authorized. I thought this was removed from my credit years ago when I made the initial dispute. i paid what I owed, the remaining balance is not mine, like I have stressed NUMEROUS times. I was buying a house in XX/XX/XXXX and I was told this was taken care of. When I call SEARS, ( meaning within the last couple of years ) they have no record of this account. I receive no correspondence whatsoever from this company about said debt.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (CA)

Experian offered me my credit score for {$1.00} and then went on to bill me {$22.00} per month and said it was buried in the terms and conditions that I was agreeing to be billed monthly. So the report for {$1.00} was a ruse to get my credit card info so they could bill me.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

My husband has a address on his credit report that does not belong to us or anyone we know. I am an authorized user on many if not all of his credit cards and vise versa. I believe this fraudulent address to be on my credit reports as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for Experian and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AL)

I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charged off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Today I received a letter in the U.S. Mail from " Experian '' credit reporting bureau dated " XXXX XXXX, 2015. '' Under the section entitled " Personal Information '' it had a " XXXX XXXX XXXX, name identification number XXXX '' listed. My full name is " XXXX XXXX XXXX, XXXX, '' NOT " XXXX XXXX. XXXX. '' I am a Victim of Identity Theft. When I called up " Experian '' and asked them to " delete '' this false " XXXX XXXX XXXX '' from my " Experian '' credit file, they refused to do so, thus, putting me for more chances of even greater Identity Theft in the very near future.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

The collection with XXXX was placed into dispute back in XXXX. The dispute reached XXXX in the month of XXXX and was completed XXXX. XXXX states that on XXXX/XXXX/16 Experian contacted their office and XXXX advised them that the account was no longer in dispute and that the dispute was completed in XXXX. As per a conversation with Experian on XXXX/XXXX/2016, they are stating that this conversation never happened. That their records show the dispute as being completed but they can not update their notes removing the account in dispute information.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

They still have old information XXXX on my credit. I no longer have a file with them so it is wrong they have it on my credit. Not only they have fraudulent collection on my credit for a credit card I never used with XXXX XXXX XXXX. They refuse to deal with that fraudulent information as well that XXXX is not my charge and if they would do their investigation and call bank XXXX they would see it 's a fraud case and XXXX XXXX XXXX was sending my statements to somewhere in fl and I live in ny. I posted valid information below.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OR)

I have XXXX Judgments listed on my reports from XXXX Dist Ct - The XXXX. These judgments have been paid since last year. XXXX and XXXX were able to update these items to paid in a timely manner with no help from me. Experian, however seems to have some kind of difficulty actually checking public records to see if they match their records, as they have twice refused to update these XXXX items to paid status. This amounts to willful noncompliance with FCRA. Under the law, if the furnisher of information can not or will not update the information to correct errors the information must be deleted. FCRA 607 ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian and/or Experian 's paid agent ( their furnisher of public information items ) has failed to follow the requirement of 607 ( b ) TWICE. Clearly Experian is unable or unwilling to verify this information. Under FCRA 611 ( a ) ( 5 ) ( A ) - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ... 

Since Experian and/or their paid agent have failed to properly verify a public record that has been verified by XXXX and XXXX, I can only assume they are being willfully non-compliant. Because these XXXX items not being listed as paid makes me ineligible for a mortgage I have been significantly harmed by this action. Under FCRA 616 ( a ) : Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

The loss of the ability to obtain a mortgage harms me greatly, far in excess of {$1000.00}. 

Experian and/or their paid agent ( the furnisher ) must immediately update or delete the entries if they can not /will not verify them. Failure of them to do so for a third time will result in my pursuing legal action against them for willful non-compliance. 

If necessary I will obtain the court abstracts as proof of the judgments being satisfied.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-08-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

I received a {$2000.00} payment via Venmo. I saw the amount clear into my Venmo account and had a balance reflecting the payment. Upon attempting to transfer the money to my bank account, the transfer was cancelled and Venmo informed me that because the person who paid me was a scammer, I had no claim to the money and they would not transfer the any amount of money to my bank. 
I contacted them trying to understand how it is possible to simply erase {$2000.00} from my account without compensating me for anything and they ultimately responded with " The person who paid you used stolen funds, therefore we are unable to complete the transaction. We regrettably are unable to allow you to transfer stolen funds to your bank account. '' They refuse to reimburse me for the fraud or offer any compensation for a previous account balance.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (MA)

I was charged XXXX on XXXX/XXXX/15. All I have is " XXXX XXXX '' on the charge -- no ticket #, no destination, etc. I did not purchase anything from XXXX XXXX. PayPal Credit denied my fraud claim, saying the charge originated from my IP address. It simply did n't. I have filed a police report and have contacted XXXX XXXX to get more information. XXXX needs cooperation from PayPal Credit to determine who used their services, and Paypal Credit has not cooperated with me. I have an email from XXXX outlining what they need from Paypal to investigate this. I 've done all I can do. 
Also, Paypal Credit has on 3 occasions promised to send me an affidavit for me to fill out, but has failed to do so.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (AZ)

PayPal misled customers into signing up for lines of credit they never wanted In XXXX, PayPal ( PYPL ) was ordered to refund {$15.00} XXXX to customers and pay a {$10.00} XXXX fine after the CFPB found the company had illegally signed people up for unwanted credit. Many who thought they were signing up for regular PayPal accounts unwittingly registered for lines of credit through the company 's lending arm, according to the CFPB. Some people only found out when they started getting debt collection notices for past due amounts or found evidence of the new account on their credit report
Consumer complaint received 2016-11-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (IL)

I have been called at least three times a day for over a month. The caller usually hangs up. or transfers me to a machine that says to hang on for a representative who has 'important ' information for me. 
At this point someone demands that I verify my name. I then ask them who they are and what they want. Twice they 've hung up at that point. Once the caller said " I 've already told you who I am. Answer my question '. at which point I hang up. 
I have called one of their numbers and told them to stop calling. They continue to call anyway. 
On XX/XX/2016 I finally received a letter from them. It says I owe {$53.00}. But does not state whom the creditor is ; what it 's for ; or when this debt was supposedly incurred. It continues on to say they are 'scheduled ' to report it to the National Credit Agencys if this is not paid in an unspecified period of time. 
I have perfect credit. I do not believe this is my debt. 
In the unlikely chance that it is mine. It is beyond the statute of limitations. 
Regardless, they are harassing me on a daily basis and I want it stopped. 
Please note : i have already filed complaints against them with the FCC for harassing phone calls.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

On XXXX I called Experian to request a persistent Dispute remark to be removed from my credit report. Ive called numerous times and keep getting the run around. Ive requested to speak to a manager and have been denied the right to speak to one. They have basically told me to go pound dirt. Ive had to call XXXX and XXXX to have the persistent dispute notations removed and they were kind enough to remove the persistent dispute notations the same day. Im trying to get a mortgage and currently going through under writing. The under writer cant write a loan with persistent dispute notations. I feel Experian is holding my credit report hostage to a Persistent dispute notation, that I have requested be removed. IM reaching out for help because I keep getting the run a round from Experian. All Im asking is for the persistent dispute remark be removed. I have an expected closing date XXXX which leave me 11 days to close and Experian refuses to remove the persistent dispute notation. Pl help if not I will lose my escrow money. Please please.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

XXXX XXXX - XXXX is sending fake payment requests via PayPal with this message : " Your Payment of {$390.00}. XXXX to XXXX XXXX XXXX appears to have been unauthorized. If you did not make this transaction contact us @ XXXX ( XXXX ) XXXX ''. 
Its trying to tricky innocent people using an anti virus famous name asking for money via PayPal ... sending fake invoices...
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (PA)

I have been having statement issues with paypal credit which I tried reaching out to them regarding but no resolution. I was charged a late fee in XX/XX/XXXX and a late fee in XX/XX/XXXX. I have since made the pmts due online. I called today and explained the situation. One of their reps offered to reverse the late fees but said the system would not allow them to put the reversal through. She contacted a supervisor who she claims also tried but again the system keeps kicking them out. I find this very difficult to believe. In the interest of good customer relations and in this age of technology, how is this possible? This is the same company who placed a hold on my account for months for no reason at all and I never complained.
Consumer complaint received 2016-02-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (MD)

On XXXX/XXXX/2016, I received an email from by banking institution which is BB & T bank. It stated that I over drafted my checking account. I thought this could not be possible as I had {$1600.00} in my account and my federal tax refund coming in at the same time which was over {$3000.00}. Upon calling BB & T, they stated that yes in fact I did have {$1600.00} in my account in the XXXX of XXXX/XXXX/16 however, their system pulls all debits first and then posts the credits to the account. Even in the debits and credits hit the same day, the debits are always pulled first. Therefore because I had all of my bill pay items hit on XX/XX/XXXX, my account showed a negative first because the tax refund hit my account after all the debits are posted even if it was the same day. I am so frustrated with BB & T. This is just a way for them to make {$36.00} from someone who has way more funds in their account than what they are spending. I feel like the need a 24 hour hotline just so you can call and make sure your purchases the night before wo n't exceed your direct deposit in the morning. I never thought I would get an overdraft fee at the same time when I have {$4800.00} sitting in my checking account. In some way this has to be fraud.
Consumer complaint received 2016-06-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

I had XXXX in XXXX, told them I knew I 'd become a few months late with payments ( I believe it 's 4 ). They told me we 'd do a modification, not to worry. I filled out all the forms and provided all the documents. The mod arrived in the mail stating a slightly lower monthly payment, a higher int rate than I was already paying ( 3.87 current, 4.0 new ), and extended my mortg from becoming mature in XX/XX/XXXX to XX/XX/XXXX - approx 20 years more! Okay, this seemed crazy for just being behind 4 months. I did not want my mortg extended another 20 yrs, so I asked for a breakdown so I could understand it better. All they gave me was a total payment amount with one including principal and interest and the other was the escrow ( also, they were including my mort payment which I 've always paid through XXXX for over 20 years, and they were adding mortg insurance which I 've never paid in my life ). 
But, simply asked for the breakdown. As of XXXX/XXXX/XXXX on my last conversation with them ( out of approx 10 conversations ) they told me the same thing, that they ca n't let me talk to the loan mod dept person, they are too busy, I have to go through their group of cust serv people. Well, I said that 's fine, but I still did n't get the answers to my letter from XX/XX/XXXX ( as discussed during each phone conversation with them since XX/XX/XXXX ) and there 's no excuse at this point except to think they are doing something wrong and I need to call someone like a lawyer or mediator ( counselor ) to help me. Then someone gets on the phone and says there 's a response time for this type of thing, would I like to know what it is? 
So, I said " really? '' Now, after 2 months, you want to tell me something nobody else has told me on any other previous phone conversation? So, I said " NO! I do n't want to hear it '' at this point there 's nothing he should be telling me that did n't get said in XXXX. Now, I have an appt with XXXX - to meet with a certified housing counselor. I 've been in this house since XX/XX/XXXX. My child was raised here and he 's now XXXX. He just lost his father 2 weeks ago. I do not want to lose my home. I believe they should 've suggested another alternative to save my home since I owed more than it was worth during my last re-fi 5 yrs ago. I still owe more principal that it 's worth, even according to my homeowners insurance co, XXXX, who informed me to obtain a new appraisal. But, I ca n't afford to, according to the city I pay taxes to, whom I had written. If I had known I could n't applied for assistance to reduce the principal, I would 've done so. Now, I believe it 's too late.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (FL)

I have a mortgage with Quicken Loans and I am having an issue with them. I live in a townhouse XXXX and a portion on the monthly payments to the HOA is to pay a master policy that covers the units. I have lived there for 15 years and have refinanced the property XXXX times. I have always been told by previous lender and even a member of Quicken Loans implied that the master policy provided by the HOA is sufficient to meet the insurance requirements by the mortgage. I have always have an additional policy which I pay for, it is not part of the escrow payment, to provide personal liability coverage as well as coverage for my personal property, my property which I own is not being financed by Quicken Loans. On XXXX XXXX, 2015 I had a water leak in my kitchen that caused damage to the kitchen cabinets. I called XXXX XXXX, the company that I pay for my personal protection and an adjuster was sent and the claim was approved. On XXXX XXXX, 2015 a check was sent out to me. When I received the check I went to deposit it, I was not able to do so because Quicken Loan was also a payee. I called quicken loan I was told to sign the check over to them and that a check would be issued to me within 72 hours from the time they receive it. I paid {$27.00} to have the check sent overnight. They received the check XXXX XXXX and I tried to contact them on the telephone several times to get an estimated date for the return check and the calls were not answered until I sent an email days later asking for a return call. The check was not returned to me until XXXX XXXX. Now my bank, XXXX XXXX XXXX is putting a hold on the check that is payable by XXXX XXXX XXXX until XXXX XXXX because they say that XXXX can not guaranteed that the check will be honored. What does that mean to me? Here we are almost 1 1/2 months later and I have not been able to fix the kitchen. I pay the mortgage, I pay the HOA dues that cover insurance on the building, I pay for my personal protection and Quicken Loans has created the chain of events that are completely unnecessary. The check has " For Payment of Restricted Escrow '' .... What does that mean? I am not required to have that policy, I pay for it out of my pocket, it does not go through escrow, my mortgage payments are up to date. What right does Quicken Loan have over those funds to put a restriction on the check. 
Quicken Loan sent my insurance a condo unit owner 's insurance request they say I authorize them. I have issues with the signing of the agreement. It was not for my policy it was for the HOA policy and that is what I was told.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

Accounts are pass the pass the 7 year statue of reporting negitive accounts. 
The following accounts have been repoting negitive as of XX/XX/2009 and Experian continues to report these accounts. 
XXXX XXXX ( XXXX ) XXXX ( XXXX. 
XXXX : XXXX