davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

Describe what happened so we can understand the issue ... 
Summary : I am demanding that Experian remove XXXX XXXX account XXXX from my credit report. Instead Experian is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Experian is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Experian received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Experian has failed to take action or acknowledge receipt of the findings and judgment. Despite proper legal notification of the court finding that I am not responsible for this account Experian has not removed the account from my credit report. It is my understanding that consumer credit bureaus are obligated to respond to dispute requests. I am filing this complaint because I believe Experian is attempting to improperly avoiding it 's legal communication and reporting obligations.
Consumer complaint received 2016-06-17
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (MD)

Wrongful Foreclosure, Unlawful Detainer and not including all documents in a Qualified Written Report request. So I could ascertain any and all issues. The attachments are everything I received in my QWR packet which I requested on XXXX XXXX XXXX. The report was run on XXXX XXXX and the DEED of TRUST was not signed over until XXXX XXXX XXXX on XX/XX/XXXX Also Banking Branch and Trust Co. did not have the Assignment of Deed of Trust until XXXX XXXX XXXX after the foreclosure process had been started. That is just a few issues I found once everything was done. There was nothing in the QWR about my REFI i did in XX/XX/XXXX but according to Banking Branch and Trust they already owned the debt. That is not everything but that is just some of the main points.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MO)

I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX to the XXXX different major credit bureaus : Company : XXXX - XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXXXXXXX XXXXXXXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 0 times XXXX time ( XXXX XXXX XXXX Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have contacted Experian after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep ther was nothing I could do but speak to those companies and after calling check one the advised I was not in their system. So I contacted Experian and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inqurires which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my liveihood. 
1.XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4.XXXX XXXX/XXXX/XXXX 5.XXXX XXXX/XXXX/XXXX 6.XXXX XXXX/XXXX/XXXX 7. XXXX XXXX/XXXX/XXXX 8. XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX/XXXX/XXXX 11.XXXX XXXX/XXXX/XXXX 12. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX/XXXX/XXXX 15. XXXX XXXX/XXXX/XXXX 16. XXXX XXXX/XXXX/XXXX 17.XXXX XXXX/XXXX/XXXX 18. XXXX XXXX/XXXX/XXXX
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/15, I signed up for a 7-day trial period for Experian 's Credit Tracker. On that same day, I was able to see my FICO score. However, I was not able to print my credit report. Three days later, I once again attempted to print my credit report, but was unable to do so. At this point, I contacted Experian 's customer service department - I spent over XXXX minutes on the telephone with the analyst, and was still unable to print out my credit report. The analyst told me that they had not seen this issue previously, and submitted a ticket to investigate the problem. She provided me with a confirmation # XXXX for this issue, and told me to wait two or three days and then attempt to print out my report. On the evening of XXXX XXXX, I tried once again to print out my report, but was not able to do so. The problem had not been resolved. Then on XXXX XXXX, I sent an email to Experian requesting that they cancel my membership due to the fact that I was not able to access the printable credit report. However, on XXXX XXXX, Experian charged me {$21.00} for the XXXX month of service - when I called Experian that same day, they refused to reverse this {$21.00} charge, even though I told them that I was not able to access the printable credit report. I told them they, in my opinion, they were committing fraud by charging me for a service which I was not able to fully access. Nevertheless, they refused to reverse the {$21.00} charge.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

In XXXX XXXX, I negotiated a full settlement of my credit card account with XXXX Bank XXXX for less than the full balance. XXXX informed me and confirmed in writing that my credit report would show no delinquency, but would only state, " Legally paid in full for less than total balance ''. In XXXX, I received my credit report and the XXXX credit card was shown as a delinquency. I called XXXX and they removed this inaccurate information. Nevertheless, in XXXX XXXX, I received a new copy of my credit report and XXXX again showed up as a " Negative '' account and showed a delinquency.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (MD)

M & T BANK PUT MY TAX MONEY IN SOME ONE ELSES ACCOUNT AND SAID THAY CAN NOT HELP ME THAY SAID THE IRS IS RESPONSIBLE AND THE IRS SAID THE BANK IS RESPONSIBLE I CAN NOT GET ANYTHING FROM XXXX XXXX IN WRITING I ONLY PUT XXXX DIDGITS ON MY TAX RETURN FOR MY ACCOUNT # BUT IT WENT INTO ANOTHER ACCOUNT PER LADY AT THE BANK AND THAY CAN NOT GET IT BACK SO I AM JUST OUT OF LUCK AND OUT OF {$1300.00} THE BANK WONT EVEN CONTACT THE PERSON WHO 'S ACCOUNT IT WENT INTO. OR HELP ME IN ANY WAY TO GET THE MONEY BACK EVEN THOUGH THE ACCOUNT DID NOT HAVE MY NAME ON IT OR XXXX # ON IT AND ONLY XXXX NUMBERS FOR AN ACCOUNT # WHO HAS ONLY XXXX NUMBERS FOR AN ACCOUNT # NO ONE THAT I HAVE ASKED HAS ONLY XXXX NUMBERS FOR AN ACCOUNT #.
Consumer complaint received 2016-05-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc. (CA)

I was sent a bill and the provider was in between XXXX accounting systems, they billed me on both for copays over a period of time, after we worked together to resolve it and I paid what I owed, they eventually sent me a bill asking for the same copays again off and on over a period of 18 months or more. I told them it was paid and showed proof several times. 

Then they billed me for office visits in the beginning of the year which went against my deductible, which under normal circumstances I would owe BUT I LOST MY JOB because the doctor inadvertently put XXXX different dates for return to work on my XXXX and work forms. When I called to verify I explained and they still gave me the wrong date, hence I lost my job! So I had to go back in for a televideo appointment to explain to her what happened so she could write a letter and I could get unemployment. Why would I pay for that??? 

On another account for my daughter they billed the wrong insurance even though I gave them the correct information each visit. She had double coverage which would have covered it except they did n't even bill me or ask for the insurance information until XXXX or more years later! Which now the insurance refused to pay because of the late filing of the claim which was their fault. The office has inadequate employees who apparently are confused. 

This office has a long history of administrative mistakes, the debt is n't mine.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I received a written letter from XXXX XXXX XXXX regarding an account. The written letter offered the option of " XXXX payment of {$430.00} '' and that my " account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$430.00} ( please see attached payment receipt and bank statement ) and XXXX XXXX reported my account as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

XXXX several occasion I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting XXXX XXXX XXXX credit cards, XXXX XXXX XXXX credit card, XXXX, XXXX XXXX XXXX, XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although Experian fail to provide me with require information that these allege debt are XXXX percent accurate, Experian still reports these negative information on my credit report. On XXXX/XXXX/15 I tried to dispute the XXXX XXXX XXXX credit accounts on my credit report with Experian, and Experian said that I could not dispute the items because they are paid. So if the items are paid why are they being reported as deragatory or negative item and why I am not allow to dispute these items. I was also told I could not dispute the bankruptcy that is listed on my credit report as a negative item. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that Experian is stating that allege debt has been verified. Also I have received letters from XXXX stating that they cant validate the allege debt but this negative item is till being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. XXXX is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have XXXX percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on my credit report.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (IL)

I am a new customer with Flagship Credit Acceptance. I recently tried to call over the course of a week to get a hold of someone to request a change of my due date. Every time I called I was asked some kind of long drawn out survey and had to wait for that to finish before I could use the prompts to get to customer service. I was then placed on hold for a very long time and eventually had to hang up as I had to return to work. When I finally connected to a customer service rep, I was told my account was not current so I was unable to change my billing due date until my account was current. Keep in mind I have never been late and pay on time. I mailed my check to them over two weeks ago, but somehow I am not current. I then asked for a supervisor. I was put on hold again for almost a half an hour. When the manager answered he quoted policy and stated he could not switch the due date. He then told me of the various ways I could pay. I stated I had already sent the check in and could not log in to their website as it was asking me for an office number that was never provided to me. When I asked him for that information since he was not going to help with my due date, he told me I had to call customer service and provided me with the same number I had just dialed to get him. He was rude and argued with me the whole time and made me feel like I was the person in the wrong when I am the customer and well within my rights to call and ask for something. I asked him when was the ideal time to stay out of violation of policy to call and get my due date changed, and the manager could not provide me with an answer. I have never been more dissatisfied with a financial company that I am with this XXXX. They are rude bottom feeders. I was set up with them through the car dealership. Considering all the money in interest they make on just me alone, I would suggest someone never does business with them ... .ever ... under no circumstances.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (CA)

LETTER WRITTEN TO AARGON AGENCY INC., I was previously placed in your office by XXXX XXXX. I had set up a payment plan XX/XX/XXXX, for bi-weekly payments. I called on XXXX/XXXX/XXXX at XXXX XXXX PST to have the payment for this date not withdrawn. The representative assured me that this would not be withdrawn. On XXXX/XXXX/XXXX, the payment was withdrawn. I then called again and spoke with XXXX, to have this refunded as well as all my payments. I never received a call so I assumed my refund was in place. I advised XXXX that this was an FDCPA violation if fraud on my account. Firstly, the representative lied to me ; secondly your company fraudulently withdrew the money still. Lastly, on XXXX/XXXX/XXXX I decided to see if the refund had been initiated. When I check my account an additional payment was withdrawn of {$50.00}. I spoke to XXXX again, and have been awaiting her phone call. These practices are unprofessional and I will be taking further action legally. One three different occasions FDCPA violations have taken place. I look forward to having your council contact me directly.
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BCB Investments LLC (IL)

A .Alliance collection Agency is continued to damaged my credit report because they said I owe them money that I 'm not aware of. They are stopping me from getting a home loan because of this issue. I sent this company a debt validation letter and they fail to provided me any proof. it has been longer then 30 days I gave them to respond back to me but yet no response. I am a victim of identity fraud.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX offers help in conjunction with the Federal Government to aid low income XXXX people have a phone line in there home account number XXXX was suppose to be just that but there was such a back log in the phone company getting the XXXX paperwork my bill kept being incorrect and then corrected and then billed incorrect again by the time it was all finished I left the state but paying all balance owed once able we agreed they gave me a paid in full letter which is on file at Experian however every month XXXX still reports my account negatively for the sole purpose of punishing a XXXX American citizen whom has paid every dime owed them in Full for sport. It is an atrocity of the worst to continue punishing me years later even when you have been paid. Im sorry I lost my job and became XXXX but it happens and this company offered me help as though they represented the Government then trapped me in a debt forced me to pay it and continue to scoff my life with negative credit information
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

XXXX IS REPORTING AN AMOUNT ON ALL XXXX OF MY CREDIT REPORTS THAT DO NOT BELONG TO ME. THE AMOUNT THAT THEY ARE REPORTING IS FOR $XXXX. I HAVE CONTACTED THEM SEVERAL TIMES REGARDING THIS MATTER AND EACH TIME THEY CLAIM THEY ARE WORKING ON IT AND THEY WOULD REMOVE IT FROM MY CREDIT REPORT. THE LAST DATE I SPOKE WITH THEM WAS XX/XX/2015, WHILE I WAS MEETING WITH MY FINANCIAL COUNSELOR. AGAIN, THEY PROMISED ME THAT WITHIN THE NEXT 30 DAYS IT WOULD BE REMOVED. MY COUNSELOR PULLED MY EXPERIAN CREDIT REPORT TODAY, XX/XX/2015, AND THE ACCOUNT IS STILL SHOWING ON MY REPORT. PLEASE HELP ME GET THIS ITEM REMOVED AS IT DOES NOT BELONG TO ME.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. I have disputed XXXX XXXX fraudulent account with Experian several times providing police reports and affidavits. I have contacted XXXX XXXX and provided them with the same information. XXXX XXXX agreed to have the account deleted from my report.Other XXXX bureaus deleted the account from my report immediately. Experian keeps verifying fraudulent information and refusing to correct my report. Experian is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.
Consumer complaint received 2017-02-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (IN)

I received an adverse action notification. I did not " apply '' for a loan, only made an inquiry about rates. The agent said he would do some investigating on how he could get me a better rate. He made several attempts to contact me but I did not respond because we were not prepared to move forward with his company. A few days later I receive an email an adverse action notification???
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Experian just updated my credit report stating that the account reported by NY state child support enforcement is still showing a balance of {$1500.00} as of XXXX. This is information is false and incorrect. That account has been paid in full and verified to me by NY child enforcement. Kindly remove this negative information from my credit report.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$67000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$64000.00}. XXXX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.