davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

Demanding A Credit Bureau Investigate To Whom It May Concern : Experian I recently submitted a request for investigation of the following Acct Numbers : XXXX Collection/ Chargeoff {$1300.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX , XXXX XXXX XXXX XXXX These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for Experian or agent of Experian to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs. XXXX, XXXX vs. XXXX ( Experian ), and XXXX vs. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2015-05-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (IL)

I am being charged for a payday loan in the amount of {$5000.00} with an interest rate of 115 % from CashCall formerly XXXX XXXX and XXXX XXXX ( both no longer in business ). I have been paying the loan for almost 3 years in the amount of $ XXXX/month, and the balance is only {$5000.00}. As it stands the loan will not be paid in full until XXXX/XXXX/2019. I have tried to settle with CashCall but they will not budge. I find it hard to believe that this high interest rate is even legal in Illinois. Not to mention the fact that they have sold my loan XXXX and now neither company is no longer in business.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

In an effort to improve my credit history I paid XXXX collection accts and satisfied XXXX judgement. I sent the documentation from the collection agencies to delete these accts to the bureaus. To my dismay my credit scores went down on XXXX of the XXXX bureaus and the status of the judgement remain unchanged. I am on the verge of sustaining irreparable damage as I am about to lose my contract to purchase my home and lose my earnest money. Please help
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

XXXX letters to Experian have failed to get achieve any response other than " We received a suspicious request re your credit report ... ... and will not be initiating any disputes based on the correspondence. '' A further request from me to correct false data on the report has not been acknowledged for over XXXX months.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Experian is reporting that I have an OPEN COLLECTION ACCOUNT with XXXX XXXX XXXX XXXX which is not true. I do not have a open account with this company nor do I have an outstanding amount of money owed. I do not have any account in collections. Please provide the reference number for this account
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Logging this complain against the credit reporting agency Experian for showing Serious delinquency on my XXXX credit cards with XXXX and XXXX. 
In case of XXXX credit card, I had returned stuff in the store and was told that I 'll get a refund but the refund was not applied for few months. Instead they kept charging late fees every month and later subtracted the refund amount and continued charging additional late fees. This was totally unfair because instead of being refunded I has bothered by XXXX and collection agency and made to pay. I tried to resolve this issue by calling, emailing and faxing them but all in vain. I am also attaching a fax that I had sent to XXXX. 
In case of XXXX credit card, my account was locked and was told to make the payment without being told what the charge was for. As my account was locked I was n't able to check myself. I contacted them several times to find out what the payment was for but was n't given a clear answer. 
In both these cases I was treated unfairly. In first case I was made to pay when I was supposed to get a refund. In second case I was being told to pay without the clear information of what the payment was for. I had to go through so much XXXX to resolve these issues and now I see these damaging my credit report. I am in the process of applying for a home loan but having issues because of the incorrectly marked delinquent accounts information on my credit report. So finally decided to log this complain.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Trying to dispute the report that I have been late on payments. Can not seem to dispute this item on Experian, which is listed under negative items. Also, there are duplicate accounts listed on my report XXXX. which are closed and exceed the fair credit reporting time period. Please remove these items from my credit report.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (MN)

Experian.com offers {$1.00} credit report. Purchased on a mobile device, the XXXX day " trial '' terms and monthly subscription fees are hidden and true service costs are deceptive. XXXX days after signup, they have billed for a {$21.00} monthly credit watch subscription service. I called to dispute the service and the charges and was refunded {$21.00}.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (WA)

Experian has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015. They advised I am " locked out of their system '' even though I am able to confirm that all my identifying information matches what they are reporting. They were unable to provide an explanation as to why I am locked of their system and were unwilling to provide me with my own credit report number. I asked to speak to their escalation department and spoke to a supervisor who also advised she was not able to tell my why I was denied online access. I am XXXX at a business and if I refused to provide my clients with their own proprietary/personal identifying information or was unable to tell them why, my company would no longer be in business.
Consumer complaint received 2017-03-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: HANCOCK WHITNEY BANK (MS)

They constantly call me all the time asking me to pay my bill I can be XXXX days late if I run behind they call my mother passed and they constantly call every day all the time geezzzz it is very frustrating and annoying I owe them total of XXXX on XXXX different accounts it is saffff
Consumer complaint received 2015-12-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of XXXX minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.
Consumer complaint received 2017-01-24
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green Trust Cash, LLC (CO)

I applied for a pay day loan with Green Trust cash. 
I payed amount in full back a couple weeks a later. 
I was contacted by a representative to pay amount, I told them I did. Representative said it 's a monthly reaccuring amount, so I canceled. 
I went through a bankruptcy and Green Trust Cash was included in the bankruptcy. Now I 'm being contacted again to pay them.
Consumer complaint received 2015-12-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I took out a small loan then lost my job, not even 2 days after the loans was to be paid back i got a very nasty threatening email saying they were going to garnish my check and take me to court and charge me almost XXXX! i didnt even borrow {$1000.00}! I dont know what to do or what they can even do. But never go through ace, they are a horrible nasty company.
Consumer complaint received 2015-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

A state tax lien was placed on my credit with the state of California. The lien is meant for XXXX in that state. I am an XXXX. I made an income of XXXX $ during XX/XX/XXXX. The state of California will not remove the lien after we sent XXXX documents showing proof of a XXXX $ income for XX/XX/XXXX, since I worked only for the XXXX and was then and currently am a XXXX resident. Please help. The lien was placed in XX/XX/XXXX. I have spoke to the XXXX XXXX XXXX XXXX office, they told me what to fax, sent all documents numerous times and lien is still in place on all XXXX crediting monitors XXXX, experian, and XXXX. I am not able to purchase a home with the VA home loan system due to this lien.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

Equifax received court documents that a judgement they reported on my credit was not mine yet, they have not removed it. They did verify that they received this information from a 3rd party not the court and it would be removed. This was over 60 days ago. They are reporting a collection from XXXX. They DID NOT VALIDATE the debt!!! but sent a little 2 digit code to verify and received a 2 digit code back. This collection belongs to a business not me and that was verified by the original creditor.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Disputed some information, I received a letter from the creditor saying they did not have enough information to investigate ( should have been provided by Experian ). I re disputed and ask why they were not providing information to creditor. I received a letter from creditor that I had notified Experian of fraudulent activity ( I never did ) now my credit card is on hold till I prove to them who I am!
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OK)

I called Experian and I requested that the copy block the fraudulent information on my credit report. I got a letter in the mail from Experian that said that if I could confirm my identity in conjuction with providing a theft report to Experian that this is anot optional remedy of identity theft that is afforded to me. The representative that I spoke with stated they do not do any blocking of accounts, she had never heard of such a thing, she further said that it was the creditor 's decision as to whether or not to block the fraud accounts, and that Experian has forwarded my complaint to the company, contingent upon what the company 's response is regarding the fraud accounts, they will adjust the fraudulent information. The representative did confirm to me XX/XX/2017 that they received my police reports, arrest reports, a photo of my social security card, check stub with my current address, my state issued identification card, and driver 's license. I am a victim of Police confirmed identity theft. In XXXX, I sent the police reports with some of the felonious account numbers and an arrest report naming the offenders to Experian by mail. I followed up 3 weeks later and they stated they had no record of the mailed information so I sent the police reports again via fax in XXXX. Experian sent an email to me that the investigation was completed but Experian did not remove or block any of the fraud accounts and/or the identifying information such as multiple addresses for the offenders. Additionally, they show I have a social security number which is not mine. Verification of my signed social security card and number was submitted with the arrest reports and police reports. The erroneous number also has not been removed. My name appears as variations of misomer. I requested these be removed as they are not nor have been used by me and are not legally my name. They have thus since refused to do so to date.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I need immediate assistance please. I 've received letters stating that Experian will no longer investigate. I 've also received letters stating that every single one of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that one of the accounts was removed and then reinserted later without any notification as required under section 611! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.
Consumer complaint received 2017-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Coinbase, Inc. i s registered as a  XXXX   XXXX   XXXX  with  XXXX ,  XXXX  registration number :  XXXX  They provide a money transmitting service by exchanging cryptocurrency tokens to and from local  XXXX . This service is advertised as " instant '' for  XXXX  residents.     On  XXXX   XXXX   XXXX  ( GMT +8 )   XXXX  , I initiated an exchange of  XXXX  ETH tokens into  S  {$1.00},  XXXX , which was supposed to have been credited immediately into my Xfers account . S  {$0.00} was credited while the  18  ETH tokens were debited.  Xfers  is a payment processing company Coinbase partners with. I have contacted Coinbase at  XXXX  XXXX  XXXX , their only official source of correspondence, and also highlighted my missing funds to their representatives at  XXXX  and  XXXX . I have also made a complaint to  XXXX .     On  XXXX   XXXX    XXXX  ,  Coinbase  closed my account with no explanation, completely denying me access to my previous transaction records, while still owing me  S  {$1.00},  XXXX . It is   XXXX   XXXX   XXXX     today. 35 days have passed and I still have not received my funds. All I have in possession are countless excuses from peripheral Coinbase staff/ automated bot mails delaying what should have been a simple money transfer. The " instant '' transfer is fraudulent advertising and it can not be legal for a business to withhold a customer 's money under what it has claimed to be a custodial account. I should have access to my own money and transaction records.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

recently contacted the agency about Experian credit reporting agency. and 3 months later I find myself contacting you again. at the having certain items on my credit report removed in XXXX of this year information that was given to my bank in XXXX did not reflect the change once again denied credit.this morning talking to be Experian about it and my XXXX scorespace certain things on my credit report have been taken care of but they have not and will not have not updated my XXXX score to reflect the changeseven after being told that they screwed up and gave my bank the information
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

Hello, Just an fyi, you may find more than one complaint from me as I have an open bankruptcy case. I tried disputing the fact that Experian is reporting XXXX as an open account on my credit. This is part of Chapter XXXX bankruptcy XXXX filed XXXX XXXX, 2016. I contacted XXXX today and they told me that they contacted all XXXX bureau 's on their end and have done everything they can. So it is an Experian issue. I tried disputing an Experian popped up and said I cant and said they cant give me a reason why. The only # is automated and not for disputes. 
I should not have to purchase a report, which I cant afford just to dispute. 
Thank you XXXX XXXX
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I filed a complaint with you on this same subject under " debt collections '' I am filing another complaint with the same issue. Experian is holding my credit hostage to persistent dispute remarks on my credit report with Experian. THIs is holding me back from getting a home loan, they are freezing my ability to get approved for a home loan I just applied for three days ago. My mortgage company informed me that they can not underwrite my loan until these dispute remarks are removed with Experian. These disputes are complete ( I received an email showing this after 30 days- from Experian ) These are older than 30 days past first initial dispute. This is causing me a lot emotional distress and affecting my life greatly. Experian is holding my credit hostage by dispute remarks. these accounts ; XXXX XXXX ; # XXXX and # XXXX as well as XXXX XXXX # XXXX and XXXX # XXXX These accounts with EXPERIAN have persistent dispute remarks keeping me from getting my home loan. I have requested they removed them and Experian has refused repeatedly. I may loose my down payment on a home and my underwriter can not take the next step with these remarks on my credit report with experian. Please help remove the remarks Experian refuses to remove.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (FL)

I am making efforts to pay down my credit card by paying more than the minimum balance. For the last few months I have been monitoring my bills. There is a one month delay between paying down the highest balance ( cash advance ) and it appearing on the bill. When I receive the bill, I am being charged interest on the balance that is shown -- before the pay down -- and not the actual balance. I have made several calls and have confirmed that the money payed beyond the minimum charge is going to this higher balance. However, when I ask about why I am being charged interest on the amount before it was payed down, I get no clear answer and no one will confirm that the interest charged in on the new, lower balance.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK (OH)

Today, XX/XX/XXXX, I contacted Discover Financial Services ( " Discover '' ) to inquire on the undisclosed " fees '' that were appearing on my billing statements since XX/XX/XXXX as " fees charged ''. I was advised by Discover that this was an " optional product '' that acts as insurance in the event that I were to lose my job, become hospitalized, death, etc. Never was I informed of these fees and, not to my surprise, Discover 's representative advised me that there is no future open enrollment. Thus, Discover indicated and acknowledged that these " fees '' and this billing practice is false and misleading and in violation of UDAP. These hidden fees have never been accompanied by any explanation or any election of renewal or declination.