davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (OR)

I have a Direct Express XXXX XXXX Comerica Bank XXXX, my Social Security XXXX money is loaded onto this card monthly. I had fraud on my card starting on XXXX XXXX of this month and someone was able to take all of money out of my account. I reported the fraud to Direct Express as soon as I realized I had no money left in my account, my card was still in my possession, so they canceled my card and sent a new XXXX. They are telling me it could take up to 90 days for them to give me my money back. It was over XXXX XXXX dollars that was taken all of my money, I 'm XXXX and depend on this money to pay the XXXX live in Oregon and was on a mini vacation in XXXX Oregon with my XXXX year old Grandson, I was using this same card to pay for my vacation, at the time the fraud was taking place in New York XXXX, the people that used my card went to a XXXX several times and withdrew money from my account, XXXX should be able to see these people on their Surveylance cameras right? I have filled out the Fraud Questionnaire and will fax it to the Direct Express Fraud Department today, I will also mail a copy to them. I read on your website that they should put the money back into my account in at least XXXX business days after I report the fraud, they are telling me again it can take up to 90 days, are Direct Express cards treated differently? I have talked to XXXX different people in the level XXXX fraud department at Direct Express and both have told me they have 90 days to return my my money. I sure hope you can help me, XXXX is around the corner, I was planning on using some of my money for XXXX. Thank You! 

XXXX
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (GA)

ProCollect has an incorrect line item on my credit report with XXXX that I disputed in 2011 and they refuse to remove it. The person 's name is XXXX XXXX ... that is NOT my name. 
Procollect , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX mapOffice : XXXX or XXXXXXXXFax : XXXXXXXXCorrespondence to Collectors : XXXXXXXXCorporate DirectoryXXXX XXXX - PresidentXXXX XXXX - Vice President / Director of Recovery OperationsXXXX XXXX XXXX Client Services ManagerXXXX XXXX - IT Department Manager
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (LA)

I was injured while attending a training for my employer. out of town. I tripped over a medal strip while exiting an airplane. I filed a workers comp claim with employer. My doctor sent me to get therapy for my XXXX, which turned out to be a XXXX XXXX injury. My insurance XXXX paid the claim initially according the their rep ( XXXX ) Then workers comp claim paid also. but still sent my name into collection. Louisiana 's Workers Comp Rep was angry because I injured myself and did not wait for her to assign me to be seen by one of her preferred doctors for evaluation. This is a total retaliation from workers comp rep and the doctor they use to evaluate workers comp patients.
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Robinson & Associates (CA)

In XXXX XXXX, I paid off a title loan company that agreed to remove the debt collectors off my credit report. This title company had put XXXX debt collection agencies on my report for the same car but for different amounts, totaling to a little more than XXXX. I wanted them to sign a paper stating that they report it to the agenies as paid off and stated that they did not want to sign because i am not a lawyer. I called XXXX debt collection agency XX/XX/XXXX and asked why they did n't remove in and she said that she did n't even know I had paid it off and that she will not remove it until she gets paid her part from the title company. I have n't been on top of my report due to XXXX school. However it is hard to get a loan or get a business credit card when I am limited due to a poor credit score for a debt that has been paid for six months ago. I have contacted transunion and they had let it be and I continue to dispute it.
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (OH)

These are bills that were from having XXXX take me to the hospital and for treatment of my back. This happened more than once as seen by the differant dates. I was found to be XXXX with XXXX and was put on XXXX XXXX/XXXX/2011. I recieved medicaid at that time. I also filled out a financial hardship form from the hospital that promised to pay most if not all of the bills. I submited the bills to medicaid too. They were suppose to pay bills up to two years before I was put on medicaid.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

On my Experian credit report, there is an account listed past due for a one month term of {$2400.00}. Neither the Experian nor the collection agency have sufficiently provided proper validation of this account. I am requesting that the following accounts be removed from my credit reports, as they have been previously removed and re-inserted more than once with incorrect info, without proper validation, a new date to reage the account and falsified information. Experian has allowed this and refused to remove. I will be filing complaints with the XXXX as well : Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX Account Name XXXX Account # XXXX Account Type Collections - non specific Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX Account Name XXXX XXXX Account # XXXX Account Type Collections - non specific Balance {$930.00} Past Due {$930.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX - Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$610.00} Past Due {$610.00} Date Opened XXXX/XXXX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX - Account Name XXXX Account # XXXX Account Type Variety Stores Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Charge-off High Balance {$0.00} Limit {$0.00} Terms Revolving
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX XXXX Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian is reporting a negative payment history in XXXX XXXX for a XXXX XXXX account that was settled in XXXX XXXX ; since the account was settled in XXXX XXXX, there should be no negative payment history following that date. We have previously disputed this both with Macys ( ref CFPB complaint XXXX ) and with Experian. XXXX XXXX response agreed with my complaint and stated, " On XXXX XXXX, XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XXXX XXXX. '' However, as of today, XXXX/XXXX/XXXX, Experian still has not updated my credit report to remove the delinquency being reported for XXXX XXXX ( see attached credit report ). The erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account, a fact with which XXXX agrees and has tried to correct. Apparently Experian refuses to correct this error, even though instructed to by the information furnisher, XXXX.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

Experian continues to share my credit report improperly. I provided them with a copy of a police report showing identity theft. Furthermore, every time I try to submit documents to them online, they say I am not allowed. 
There area huge number of unauthorized inquiries from XXXX/XXXX/16 that need to be deleted from my report.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

I have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Experian.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NM)

I have disputed the incorrect information two times using the processrequired by Experian. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Based on the agreement/settlement between the states attorney and the credit reporting agencies on XXXX XXXX that they 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 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. '' " 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. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.Beginning in XXXX XXXX, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. I previously disputed them and was told that they was not parking tickets. I have provided that they are parking tickets in the attached documents from the City of XXXX XXXX Parking Administration. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (OH)

I have contacted Experian and XXXX both multiple times disputing fraudulent activity on my credit report from the University XXXX XXXX. This supposed agency claims I attended thier university back in XXXX, I was enrolled with XXXX University at the time they claim I owe them money. I have contacted University of XXXX numerous times about thier fraudulent reporting, I also contacted XX/XX/XXXX and XXXX with this information and sent Experian and XXXX both copies of the report. XXXX bureaus removed the fraudulent report and then placed it back for collections in XXXX. I dispute this account every 5-6 months and the credit bureau comes back and claims the charges are legitimate. I have asked for proof of my enrollment, this University has no signatures or proof I attended classes there, I was enrolled at XXXX University in XXXX PA at the time they claim I was enrolled. I have asked for proof as to who has provided thier legitimate proof but the credit bureau can not provide the information all they say is I have to contact the University XXXX XXXX for the information. Based on the lack to provide legitimate documentation as to who continues to keep reporting this information under XXXX XXXX XXXX Laws they either have to provide this information or remove it from my reports they have no signatures as to who is reporting this information all they continue to tell me is that it was verified as being ligitimate through investigations, okay, who did this investigation and who sent the information to the credit bureaus? These XXXX credit bureaus are ruining my credit. I have had multiple issues with Experian erasing my entire credit and placing my ex-spouses social security number on my report and changing my birthdate to my youngest son 's birthday so as to whenever I go to apply for credit it shows I am applying under false pretenses. I did speak to a supervisor about the issue and had my credit restored but once again, the University XXXX XXXX was back on my report. I have tried to refinance my home and get financing for a business through multiple agencies but have been rejected do to my credit scores and the fraudulent reports filed. I want my credit restored and the fraudulent accounts removed from my credit bureau reports and I want them to block anyone from changing the report in any manner either by a credit freeze or a block to keep these scam artists out of my credit reports.
Consumer complaint received 2016-07-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Experian Information Solutions Inc. (TX)

Experian will not remove persistent dispute remarks on my EXPERIAN credit report, They are holding my credit hostage, I am applyling for an home loan. I have 5 days for the bank to underwrite my loan. I can not get a home loan with persistent dispute remarks. They will not approve my loan with these remarks on my credit. I disputed these accounts over 30 days ago and received an email from Experian showing that my dispute was complete. their way of handing customer service issues is wrong. They are showing MY XXXX XXXX funding accounts starting in # XXXX and # XXXX PENDING until XX/XX/2016. That date is way past 30 days and yet, Experian claimed that my dispute was complete on XX/XX/2016.THis is a confusing and very misleading way of communication in the investigation results. I have exhausted myself XXXX with Experian trying to remove these remarks. From the initial date of my dispute to now it has caused me XXXX..My work performance has been affected as well as my home life. Experian refuses to remove these dispute remarks on XXXX of my XXXX accounts as well as my XXXX account, # XXXX and XXXX account # XXXX these all have dispute remarks. Experian is holding my credit XXXX by persistent dispute remarks on these accounts. They are holing me hostage to these remarks by not allowing me to get a home loan. I have been informed by my Mortgage, company that they can not underwrite loans that have dispute remarks. I have requested that they remove these persistent remarks and Experian refuses, XXXX and XXXX did so in 24-48 hours for me. This is so frustrating and taxing on my life and family. MY mortgage company said I may loose my down payment on a home. They are preventing my underwriter to take the next step. Once again, it is my XXXX accounts I mentioned, I need these persistent remarks removed that are past 30 day from first initial dispute. PLEASE HELP have these removed as soon as possible.MY credit and home life is being held hostage to these remarks.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

AFTER SUBMITTING WRITTEN PROOF OF ORIGINAL SALES CONTRACT AND BANK STATEMENTS PROVING HOW MUCH WAS PAID TO XXXX, EXPERIAN CREDIT BUREAU REFUSES TO UPDATE MY REPORT AND REFLECT TRUE AND ACCURATE INFORMATION. THEY ARE STILL REPORTING FALSE AND INACCURATE INFORMATION.THIS IS MY THIRD COMPLAINT TO YOUR OFFICE FOR ASSISTANCE, PLEASE HELP. I HAVE PROOF OF MONTHLY PAYMENTS OF {$170.00} AND XXXX IS REPORTING {$120.00}. MY HIGH CREDIT LIMIT WAS ONLY {$3000.00} XXXX 'S IS REPORTING {$3900.00}
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

Could not obtain free credit report from Experian using the annualcreditreport.com site because when Experian 's turn came their web site reported some error and gave a postal address to use to request a report. I visited Experian 's site ( to find a way to complain ) and saw an offer for my report and my credit score for {$1.00}, and agreed to the {$1.00} cost, rather than go into the hassle of ordering a report by postal mail. They charged my card {$1.00} on XX/XX/2016 and I received a score and was able to download my credit report. On XX/XX/2016 my card was charged {$21.00}. I immediately called Experian to request a refund. They informed me I had signed up for a recurring charge and no refund would be given. I insisted and asked to speak to the representative 's supervisor. After a brief wait another person came on the line and said no refund be given. I told her I would look for a way to report this and considered it a fraud and a scam, and that I never knowingly signed up for any recurring charge. She basically said " go ahead ''. She insisted the site showed a notice that I would be signing up but I insisted that web servers sometimes have errors or have pages in the process of being modified and that I did not get any such notice. She again refused any refund. Of course I cancelled the recurring charge but it just was not worth the life stress that would be caused by pursuing the {$21.00} already charged ( not knowing I could report it here ). Also I actually fear these credit reporting companies, which hold so much power over our credit, and I did not want to take the risk that someone at Experian might retaliate in some way. But today I saw a news report that seemed to indicate others had this same problem and the company had agreed to refund customers charged in the scam. I would like to add my claim to the list to be refunded.
Consumer complaint received 2016-11-02
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I took out a loan from Ace cash express around XXXX of XXXX. I received a phone call around XXXX of XXXX stating that they will take legal action if I did n't pay so I set up a payment arrangement asap for XXXX . On that Friday that I set the payment arrangement to come out I received another phone call from another collection agencies stating that I was paying the wrong people and got called a liar and stupid and they hung up in my face. I called ace cash to see who had my case which they told me that the collection agency that called me a liar was the right agency to pay. so I was freaking out because I gave my account information to the wrong people I called them back to cancel the payment arrangement but they insisted that I was paying the right people. they had all my information where I lived my job and my social security number so at this point I did n't pay anyone and I do n't know what to do because im XXXX and scared. they told me that they will get everything straighten out and give me a call but I never received one
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I got a hard pull inquiry from XXXX on XXXX XXXX, 2016. I have not done ANY inquiries or applications since I opened my bank account at XXXX Bank in XXXX, 2016. I do not knoow where this hard pull is from. They took off a point for it. How do I get it off?
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

XXXX XXXX Tax Lien being reported on my Equifax credit report should be removed as it is satisfied and was filed in error over 6 years ago. I have requested Equifax remove this information numerous times but they report that the Lien is valid, even though I have provided a copy of the XXXX XXXX XXXX document showing it is Satisfied.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I purchased a home in XXXX and financed both the XXXX & XXXX loan through same lender. Home was foreclosed in XX/XX/XXXX. It appears lender wrote off any unpaid balance on XXXX lien but sold the XXXX lien to a collection agency that goes by the name of XXXX XXXX XXXX. 

XXXX XXXX XXXX is keeping the XXXX lien on my credit report as active and open loan. There has been no payments since XXXX XXXX. Collection on the debt is barred by the Statute of Limitation in Texas. I want the loan to show as closed and not as an open & active loan.