davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select. I have been violated by XXXX XXXX XXXX XXXX XXXX. ALso, by Experian Credit Reporting Agency. XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas. They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On Friday, XX/XX/2017, I received in the U.S. mail my " Experian '' credit report dated " XX/XX/2017. '' On " Page 28 of 30 '' under the " Record Of Requests For Your Credit History '' column it noted that " XXXX Resident Screening '' of " XXXX, MA XXXX '' unlawfully accessed my " Experian '' credit report on " XX/XX/2017. '' On XX/XX/2017, I was on vacation in Hawaii. I am a victim of " Identity Theft. '' I then called up " Experian '' and they refused to " Delete '' this unlawful " Identity Theft '' entry off of my " Experian '' credit report!!!
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

I have disputed this in the past with this company to no avail because they do very little to investigate disputes. A medical office closed without sending me a bill and then put it into collections. I had no prior knowledge of the bill of only {$55.00}. As soon as I was contacted, I paid the bill in full. I am now trying to get a mortgage loan and being penalized due to this account. I do not have a single negative mark on my account other than this and I want it REMOVED. My mortgage company tells me it looks as though the negative collection has recently been put onto my credit report. Again this was a medical bill that is not even supposed to affect credit scores as of the new rules imposed.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (CA)

i was a victim of fraud and identity theft. someone had taken my identity and opened up a Barclays credit card under my name and recorded a debt in the amount of {$6400.00}. this account has been closed however i have reached out to Barclays and given them a series of documents including a police report against a specific person proving that it was not me who opened this credit card. Barclays is unwilling to work with me on this and is not giving a thorough investigation.the person who i have a police report has done fraud to other people as well.
Consumer complaint received 2015-07-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (WI)

I have used PayPal Credit on line for a few purchases, totaling approximately {$280.00}, i have sent checks to the address i was given by their Customer Service located in Georgia. My first payment was received and credited to my balance in XXXX, 2015, since that time i have sent XXXX 3 XXXX more payments, totaling another {$180.00}, but they tell me that they never received any of these payments, and i am now accruing finance charges. I find it hard to believe that no mail is being delivered in the state of Georgia. I have checked with my financial institution and they report that the checks have not been cashed. I believe PayPal is holding so that i accrue finance charges. I saw a lawsuit which was filed against PayPal, and am looking into joining this suit. Any info you could provide would be gratefully appreciated. Thank you. XXXX XXXX
Consumer complaint received 2015-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

IC System is attempting to collect a debt I do not owe. They are stating that I owe XXXX XXXX XXXX {$110.00}. I am a current customer with XXXX XXXX XXXX, and have been consistent with my account for years.
Consumer complaint received 2016-01-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Paypal Holdings, Inc (MD)

I bought a timeshare and was referred by them to a six month payday loan because I wished to pay in cash. I was told I would not have to pay interest on the loan. In the fourth month of the loan, I started receiving emails stating that I had a line of credit with PayPal that I could use at any time ; emails of wonderful items were sent to me to purchase same. In my last month, I decided that wished to use the account and informed them I would leave {$500.00} balance so that my credit would show something to be recorded. On the day the loan was completed, I received an email stating I owed {$400.00} in interest. I was under the impression I would only be charged for {$500.00} of interest in order to maintain the line of credit that I did not ask for, therefore, I paid the amount in full ( {$500.00} ) that day. I asked to speak with a Paypal manager and was informed " too bad, '' I should 've paid the {$500.00} two days earlier and not assumed I would only be charged interest on money that I thought was okay to leave since that was n't part of the " short term loan. '' I was swindled into not paying the entire loan off because I thought it was " nice '' of Paypal to extend a line of credit to me, as well as a loan. Had I not received their " nice '' gesture of " giving '' me a line of credit and allowed the relationship to maintain itself, I never would 've left a balance for the " line of credit. '' I have been paying {$100.00} per month for the interest of a loan that would 've been paid if I had n't been swindled by a company I would 've never thought would swindle me. If I could have my " interest '' payments received and the remainder erased, I would appreciate it.
Consumer complaint received 2016-03-29
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

I used Paypal to send my friend and her husband, in XXXX {$7700.00} to start a business.They were going to use the money to buy a used vehicle and equipment to get started.Paypal told them they could only withdraw {$500.00} per day and they did for 3 days and then Paypal froze the account so they could not get any more money and they can not send it back to me.I linked my credit card to my Paypal account, because I figured I could pay the monthly mininum payment and would not have to take money from my actual bank account. 
On XXXX XXXX I sent them XXXX XXXX using XXXX because her husband was going to fly out the next day to XXXX to by a car for the business and had to have the money.Cars are a lot cheaper to by in XXXX than XXXX.That money came from my bank account which I would not have used If it was n't for Paypal.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (NY)

I made an on-line purchase from XXXX back in XXXX 2016. The charge was made on-line to Paypal. I never received the item and contacted Paypal. So Paypal put in a dispute. Paypal says the payment was returned but because it was entered wrong I should pay the XXXX so it can move over. That made no sense to me at all because it still sounded like I 'm paying for something I did n't receive. I keep getting a bill for {$12.00} which I refuse to pay. Have had contact with Paypal several times.Last contacted them on XXXX XXXX
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX ( Case # XXXX ). The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as both Order of Trial documents for both dates. Each document has been stamped by the XXXX XXXX XXXX XXXX. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NH)

I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to Experian, But i have called Experian a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Please add attached documents or merge this complaint to disputed complaint / case # XXXX Mortgage was reported and discharged by XXXX XXXX. 
XXXX XXXX was never my lender and should NEVER have created a NEWER item in my credit report that will last 3 more years and add an additional negative item to my credit. They have been unwilling to rectify their error and there are close to XXXX other complaints on record with CFPB for this organization.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian has fraudulent accounts on my credit report and they are refusing to remove it. They are also claiming they never received my identity theft report, but I uploaded it to their website on two different occasions. The most recent was on XX/XX/2016. 

The fraudulent accounts are XXXX XXXX XXXX and XXXX XXXX. I have never done business with any of these companies. I am infuriated with the credit bureaus for trying to hold me accountable for these a fraudulent accounts.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CT)

ExperianXXXX XXXX XXXX TX XXXX : Report # XXXXOn Monday XXXX XXXX I called Experian to dispute XXXX XXXX private student loans. I spoke to the representative to dispute the relevancy of the contract. I had recieved a copy of the contract by XXXX due to a complaint I had filled with the XXXX. The contract has " missing information such as date missing and other identifiable information that is not consistant with my information with their files ''. The name listed on the application is not my birth name. Further, the account number listed on my report is XXXX ... there are XXXX accounts listed with these numbers, the account number specified is listed differently on XXXX correspondence they list account number XXXX. Due to new regulations required by the FCRA account numbers are no longer supposed to be listed as social security numbers or reported to the credit bureas as numbers that begin with social security numbers. 
The accounts were previously unrated and reported previously as " NO STATUS '' in XXXX 2015 that had changed. I request that " no status '' be reported on my file due to FCRA, FCBA, FACTA and other statutory and procedural violations that may have occured. The creditor has over XXXX credit and billing consumer complaints filed online along with SEC and Consumer Financial Protection Burea investigations for similiar or other pertinant issues regarding private student loans currently held by XXXX. ( see link : XXXX XXXXRemedy sought. 
I request that detailed information including names and a description how the previous verification process was conducted per section 607 15 UFC 1681. 
I would like Experian to rienvestigate and the following information herein. 
1. Verify last 84 month account history ( See attatched doc ). 
2. Report the assigned account number provided by XXXX ( acc # XXXX. Valdiate and authenticate information supplied on original contractI request that bot accounts be unrated due to errors and ommisions on the account and credit reports. 

XXXX XXXX
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureaus. They left a wrongful dispute on my credit report. The account number is as followed : XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

XXXX, Experian, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

The credit reporting agencies will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines, '' XXXX director XXXX XXXX XXXX wrote. " Experian has already submitted a cease and desist notification to XXXX for all credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' In XXXX, the XXXX credit reporting agencies informed debt collectors like XXXX that they were to stop sending notices of unpaid red light camera citations by XXXX XXXX, 2016. 

" Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. '' Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 

I have XXXX paid parking tickets on my experience credit report that should be removed.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

All XXXX credit reporting agencies continue to report our Loan Balance with XXXX incorrectly. This balance should be less than {$900000.00} now. But these agencies have reported a loan balance of XXXX XXXX dollars despite the fact that the loan was modified in 2010 and the balance was set to {$920000.00}. I am attaching the Mortgage Note that was fully executed and records as proof. Our attorney from XXXX has contacted XXXX and they can NOT produce ANY evidence to the contrary. 
The previous servicer, XXXX settled with Consumer Federal Protection Bureau ( CFPB ) for $ XXXX for violating serving and loan modifications laws. XXXX is refusing to cooperate with us and are simply referring us to XXXX when we asked them to provide proof that we owe the deferred balance. We have also filed a complaint with the CFPB. 

We are unable to hire an attorney since we have no funds and the balance reduction will ONLY be on paper, so there is no proceeds where any attorney could collect. We would like your help to engage the credit agencies to correct the reporting. They have been violating credit reporting and debt collections laws since 2010.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OH)

I was given free credit protection with Experian due to a security breach. It promised that I would be able to see my credit score right on their website. But, I could not get it, so I called. After much wasted time on the phone Experian said that it was not included in my free service, but that I could get it at freecreditreport.com. So, I logged in there and was told " Congratulations, you are eligible for a seven day trial membership {$0.00} credit report. '' But, when I tried to access it, it told me that the cost was {$21.00}. Another very long frustrating call and I was told that it would be available in 2 days. I totally do not believe this and am convinced that Experian is deliberately misleading and deceiving customers. Please do something to make them stop. Thanks.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ALLY FINANCIAL INC. (NC)

I have a vehicle that was written off on my credit report in XX/XX/XXXX after it became delinquent in XX/XX/XXXX. It was financed/purchased XX/XX/XXXX.I called on XXXX/XXXX/XXXX to ask for an application to file lost title on the vehicle, as I have done on numerous occasions, since the finance company has indicated numerous times that they do not have a title for the car. Instead of sending me the application agreed upon they immediately went back and added the charge off again to my credit report as of XXXX/XXXX/XXXX. I just realized then that they have been re reporting the charge off every year. at least since XX/XX/XXXX that I can see on reports that I have. This charge off should be falling off my credit report next year, and they have resubmitted it, so that it will show for another 7 yrs. I want this charge off date to be put back to the original XX/XX/XXXX charge off date, as the information reported XXXX/XXXX/XXXX is very inaccurate. You can see from the attached XXXX and XXXX reportings on my credit report that Ally is reporting that I financed the car in XX/XX/XXXX and it was reported as delinquent in XX/XX/XXXX. I bought the car brand new in XX/XX/XXXX for about {$15000.00} at {$320.00} mo. I only had about 4 months left to pay on it when I could n't afford to pay, and it actually became delinquent in XX/XX/XXXX. So it is being mis-reported every year, and only because I called to try to get a title, which I still have not been successful in getting.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

had requested Experian to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I have been disputing the same fraud accounts on my credit file and experian is giving me a hard time with removing these items. I have spoken with rude people such as XXXX and never had a chance to speak to a supervisor as I requested. I have sent in and faxed in a copy of the most recent police report and yet nothing has been done. Experian is making it seem like this situation is all my fault.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CT)

I am a member of credit expert I have a membership and am allowed to view my credit report and score once a day. I have been transferred to the dispute Dept then back to the member Dept to resolve this issue mbr ship Dept tells me I have no address on file to view my report and to call experian I called experian and the put my address on my report. I then called back credit expert to view my report and was told I have to call dispute dept because there was a mismatch with my social security number and that over XXXX reports have generated dating XXXX but I still have no access to view them. This needs to be resolved so I can review my credit report and score.