davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (NY)

I had an account with Pay Pay Credit for several years. They sent me monthly statements to my email address and that would serve as my reminder of how much I owed and to pay my bill on line. For the past several months I no longer received a monthly statement ( though I would still receive an email when I made a transaction ). I occurred a late charge in XXXX of {$30.00} for a balance that was under {$130.00}. I complained to Pay Pay credit that I have not been rec'ing a monthly statement, customer service told me there was nothing that they could do and I cancelled my account. I asked Pay Pay credit customer service to start sending me a paper statement. In XXXX I did n't receive a statement and went on-line to pay my bill and again was a day late therefore I was charged a {$30.00} late fee again on a balance that was under {$100.00}! I called Customer Service again they said they could n't help me and that they would n't take off the late fee! They can not prove that they are sending me monthly statements! They are purposely not sending me a monthly bill so that I can keep paying high penalties on my low balance! They are cheating me out of money and they ARE NOT sending me a monthly bill ... I 've checked my email, junk mail and deleted mail and there has never been a statement or monthly bill sent to my email address on record -
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Paypal Holdings, Inc (MA)

A couple months ago, I was completing a transaction online and using my PayPal account was an option. As part of the checkout process, I was asked for my name and birth date. I thought they were updating their records. I came to learn they were issuing me a credit line for {$5000.00} through PayPal Credit, which I did not want. I was annoyed by this, but not enough to do anything. Instead, I resolved never to use it. I would opt out in favor of the credit card they had on file. XXXX day, about a month ago, as I was signing into my PayPal Account to complete another transaction, I was automatically checked out with PayPal Credit for {$15.00} and some change! I was not given the option to opt out. I paid it in full, contacted them immediately and told them that their lending practices were deceptive and predatory and that I wanted them to cancel the card. Instead, they sent me a return email, asking me to contact them to discuss the issue. I called on XXXX and cancelled the card. 
I consider myself fairly savvy and for this to happen to me means that it could happen to anyone. Basically, PayPal Credit co-opted a portion of my good name and credit without my knowing it. Now, I have to take a hit to my credit score for closing the account. 
I understand that they were fined {$25.00} XXXX in the spring for this kind of behavior. There are those who do n't think it was nearly enough! That is apparently the case, as I am living proof that the practices for which they were fined continue.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

The name being used to identify me is incorrect. I do not have a middle name or initial. 
I have NO accounts with this initial, my birth certificate will confirm my claim. This is the 5th time I have submitted a claim for this incorrect listing of my name.
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (AL)

I forwarded a payment to pay off my Discover credit card. It was received by the due date. When I received my credit card bill, instead of it being paid off, they listed an additional interest charge. I called them and they said that was interest from the previous billing cycle. I believe this is a purposely fraudulent practice by Discover. I should not have to call them to get a pay off. Their statement should tell me the date interest is charged and what it was calculated on. It should be listed on the statement for the period on which it is calculated. 

In the end, they are refunding the interest, but I would like for them to be investigated. All other credit cards I use do not use their practice. If interest is charged, it appears on the current statement for the period they are charging for. No one should have to call a credit card company to find out their payoff. 

How many other innocent consumers are paying additional interest that they should not be paying?
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a 30 day delinquency on my XXXX credit bureau reports. I have submitted my dispute with Experian, XXXX and XXXX and have not heard back yet with resolution. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. 

XXXX Bank is unable to verify the delinquency. Please refer to the captures uploaded as images for information.
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (CA)

Credit report requested from Experian, was initially charged {$1.00} to " check my credit '' listed in my checking account as " EXPERIAN *CREDITREPORT XXXX CA '' and then {$21.00} every month following for 5 months with no option to cancel, listed in my checking account as " Experian *CreditReport XXXX CA ''. I did not request or receive any service for this charge and am unable to find where the charge is even coming from. Experian website provides no insight or option to cancel services, as I do not have an account with them. Total money stolen through these charges amounts to {$100.00}. I still have no way to cancel.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CO)

Hello, I have tried to dispute this debt numerous times with the creditor XXXX XXXX now it 's been sold to AFNI {$120.00}. I do n't know what this charge is for I was told it was equipment but when I call XXXX to find out about it they have no record of it under my name or ssn to tell me anything and I 'm not paying on something I do n't know what it is or that it 's even my debt. Furthermore, I think I had XXXX at the time and if I did all the equipment and services were paid in full I want this to stop getting reported to my credit once and for all if the creditor ca n't supply any information of what it is and I ca n't call them to dispute this than as far as I 'm concerned it 's not mine and it does not need to keep showing up on my credit report. I dispute with all three credit bureaus it gets removed and then next thing I know it gets added a month or XXXX later again and I just want it wrote off as bad debt and not against my credit. I 'm trying to buy a house and that is XXXX reason I want this removed but I also want it removed because if I ca n't get anything and century link ca n't find me with my ssn whether it was charged off or not they should have something I was never sent a final bill for the service I did have so I do n't feel this is mine anyway and each time they pull my credit for my home loan this pulls up and is affecting me so please just remove this once and for all I can just pay it too it 's {$120.00} but that 's not the point it 's the principle that theirs no information on this and I 'm sick of creditors doing this to people and my mortgage broker told me that he has seen this happen to several of his clients too with XXXX and they have ended up paying it but I 'm not going to I want to fight for all the people XXXX is taking advantage of and hope a class action law suit gets started against them for not sending out bills for these supposed debts. If anything is found I want it sent to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

I disputed incorrect information regarding a bankruptcy on my credit report. I filed a dispute in XXXX, and received a debt verification letter from Experian. I think wrote a letter to Experian on XXXX XXXX, asking for Method of Verification, XXXX XXXX, I received a generic response stating that the dispute would not be re investigated. I wrote another letter on XXXX XXXX, requesting a method of verification once again. On XXXX XXXX i received my credit report, with no method of verification. On XXXX XXXX, I called customer service and asked for the method of verification. The customer service rep said that Experian directly contacted the Courthouse and received documentation verifying the debt. I then asked why that was not included, and if they could provide the documentation from the Courthouse to me. He said they could not, because they have no documentation of verification. I asked him that since this could not be verified can you please delete the tradeline. He said they were not under the obligation to delete it since the courthouse clerk verified the records for them. I called him out on this, because i know that the clerk wont release any records to the CRA, because I asked this when I called them. It was now XXXX and he stated he would try to get me to a supervisor to get this taken care of. I was on hold until the clock hit XXXX, and he came back and said one minute, then hung up on me. This is a violation of the law, and illegal. They are reporting information, they admittedly said they did not verify. I would like to resolve this here, before I contact an attorney.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

This company Experian is reporting incorrect information on my credit report - 1. The only address that I 've had for the past 22 years - is XXXX XXXX XXXX XXXX XXXX, FL XXXX. All others, are invalid and need to be removed immediately. 

2. I have not applied for any credit in 8 years - I 've been XXXX, so all credit inquiries that fall within that time frame need to be removed. I have NOT authorized any credit inquiries since 2010. 
3. Also you are reporting my employer as XXXX - That 's incorrect, I 'm XXXX military - Remove immediately and I do n't want my employer or occupation listed. 

I have been XXXX in XXXX for the past 8 years. I need this information CORRECTED and removed immediately. This has been illegally reported.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I have XXXX negative accounts on my credit report from XXXX XXXX Bank, XXXX, and those XXXX accounts have been on my credit report since XXXX. However, in XXXX XXXX, I received XXXX XXXX XXXX Cancellation of Debt forms from XXXX XXXX Bank. I had to pay taxes on the cancelled debt and XXXX XXXX Bank received a write-off on their federal taxes. I informed each of the credit bureaus of this issue and sent copies of the XXXX XXXX forms. I requested that the negative accounts be disclosed as charged off or completely removed, because I had to pay over {$2800.00} in taxes by adding {$2800.00} to my income, and my income was already over {$70000.00}. I understand that I failed to pay my credit cards in XXXX and I accepted having the negative accounts on my credit report ; however, when the debt was cancelled and I had to pay taxes on the debt and XXXX XXXX Bank received an XXXX deduction for the write-off of the debt the aforementioned debts should have been removed from my credit report. No XXXX citizen should have to pay taxes on his or her debts and still have the debt appear negatively on their credit report.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

Citicards mixed up my account with another XXXX XXXX living in Texas who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX 's letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for six months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX 's as opposed to the XXXX 's where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for six months now.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian continues to report XXXX inaccurate late pay of my student loan account on my credit file. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. XXXX of the XXXX states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at XXXX another and I need this to be deleted immediately or i will be forced to take Experian to small claims court for unspecified damages because they are inaccurately reporting on my credit report. They are also reporting incorrect personal information about me on my report. I have told them that is not me and that is not my information and they refuse to update my personal information which again is a violation of the FCRA.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

Experian has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX XXXX XXXX , XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Experian continues to falsely report XXXX XXXX XXXX , XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Experian, I am attaching the results of XXXX 's investigation of my complaint with XXXX XXXX XXXX , XXXX. XXXX conducted a proper, impartial investigation of my dispute, and deleted the false information from my credit file. XXXX has failed to conduct a proper reinvestigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, XXXX has violated the FCRA regulations, and should be penalized accordingly.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX did not correctly validate and verify the information on my report. HEPA laws prevent this company from excessing my medical information. Please provide the information that caused you to report this information on my credit report according to the ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I have a bill that have been paid an want to no how to get off my credit Court documents XXXX, deed XXXX, XXXX XXXX court, XXXX tn,XXXX XXXX XXXX XXXX tn XXXX
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I had a nanny and chose to take out taxes from her check. As the result of an error. Duplicate tax/employer numbers were created. When the problem was recognized, they released the lien in 2006. This is still showing up as a series derogatory item on my tax report and has impacted my credit score which has impacted the type of mortgage I recently go, and have to pay PMI. Since 2006 I have purchased several homes, so obviously, there is no lien. I have reported to Experian and never heard back. I have attached the lien.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX Loan Servicing ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX XXXX XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MA)

Experian uses deceptive and misleading practices to automatically enrolling customers into a monthly dues-paying program referred to as Experian CreditWorks. I recently requested my free yearly credit report from Experian.com and was advised to enter my credit card number. I was skeptical but when the website explained that the credit case would only be charge {$1.00} so that Experian could more easily verify my identification. I was shocked when two weeks later I was charged {$21.00} by Experian. I went back to Experian to see what this was about and was told that by requesting my free credit report I was automatically enrolled in the Experian CreditWorks program which costs {$21.00} per month. I was advised that because I did not proactively request to cancel my membership I was responsible for paying my membership dues. I feel mislead and deceived by Experian. It seems that the practice of automatically enrolling customers in the CreditWorks is designed to make extra money by charging customers for the first month before they realize they 're enrolled in a program that automatically deducts monthly dues. This is a dishonest and deceitful practice. Experian will claim that their website clearly states the policy, which, in a way is true. However, the practice is so transparently deceitful that it warrants a look from the CFPB.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX at XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit report.
Consumer complaint received 2015-10-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (DC)

I was assessed overdraft fees when items posted on a positive balance. I have escalated to PNC several times with no understanding of why the fees were assessed. Please refer to attachment detailing banking activity on XX/XX/XXXX and XX/XX/XXXX. Also, PNC 's mobile deposit service does not outline availability surrounding deposits made via the application on weekends. Lastly, the check that was deposited via the mobile application on XX/XX/XXXX cleared the issuing financial institution on XX/XX/XXXX ( uploaded evidence ). There was no overdraft here.