davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (IN)

I usually check my credit score with my credit card companies such as XXXX card, XXXX XXXX, and XXXX banking. My discrepancy is with Experian. I had an credit score with that Co.. of XXXX. That was a month ago. I have had no major changes to my credit, ... and have never been late, ... .but my credit score has dropped XXXX points and the company Experian won '' t give me a substantial reason as to why? I have had credit for over 20 years and have never gone over half my credit limit or come close to maxing any cards. Would you please look into this and give me a reasonable explanation? I understand that Experian was hacked not too long ago, ... .could this have any bearing as to why my score dropped XXXX points in a months time.? from XXXX to a XXXX?
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MD)

For over 20 years since my divorce, I have had negative credit ratings and responsible parties are not providing accurate information. I have been denied credit and also issues that surfaced have not been properly handled. Yes, I went back to my maiden name, but still these issues followed me in an forceful means. In 2013, I finally had enough, but finding proper representation is painstaking and expensive. So other means to maintain sanity I have tried. Due to this issue, I am trying to work through, but unfortunately, it is overwhelming.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I received a credit alert that a collections company had posted information that may have been harmful to my credit report. I contacted the company ( XXXX XXXX ), but they could n't find my information. So I contacted Experian, which had notified me of the posting in the XXXX place. I disputed the information, and the posting was deleted, but XXXX incorrect addresses that I believe are the root of the problem remain on my report. I 've never lived at either of the addresses on XXXX XXXX noted in the attached document.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (PA)

I had a charge of account that I disputed on my Experian credit report as being obsolete as it had been 7 years since the DoFD, instead of removing the account they re-aged it, and not I am not able to dispute the account online as Experian 's online dispute keeps saying it can not honor my request. I have contacted Experian about this issue multiple times with no resolution nor any explanation. Previous to this I never had an issue using Experian 's online dispute option. If you can get them to explain why I can no longer utilize their online disputing options, even with a purchased report number from them, the only way their CSR said I could dispute, making me spend more money for it to still not work, that would be great. Also the XXXX account needs to be removed from my credit report as it still states it is a charge off account but now will not be removed until 2023. These CRA 's need to follow the laws put forth by the CFPB for accurate credit reporting as the only one that seems to have an accurate report for me is XXXX. My XXXX report is all screwed up, yet they still will not fix it, even after countless complaints through the CFPB, who I was under the impression, was supposed to advocate for the consumer when these huge companies do n't do anything about the customers complaints.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

My correct phone number is XXXX Item # 1 : I XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., this account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 8 : XXXX XXXX - XXXX ...., account was paid in full prior to being a charge off. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there. 


The following information is part of your credit history and is provided to others. 

Inquiries below are not mines and should be deleted. 
XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...
Consumer complaint received 2016-10-25
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company (FL)

In XXXX of 2015, upon retiring from the XXXX XXXX, I initiated contact with XXXX XXXX with the expectations of initiating my first home purchase utilizing my VA home loan benefit. After conferring with a real estate agent that worked for XXXX XXXX ( the wife of a former friend of mine ) she convinced me that I should have a XXXX bedroom home built in the XXXX XXXX XXXX XXXX neighborhood of XXXX XXXX, Florida. During these initial consultations, the agent convinced me that I would have to tender a down payment " in order to guarantee my desired lot location ''. Considering that this purchase would be a VA loan, I was hesitant at first, but she insisted that my money would be returned upon closing of the home. Furthermore, she also stated that the only way that I would lose my down payment was if I backed out of the purchase agreement. Believing this, I tendered the required payment via my wife while I was XXXX as a XXXX XXXX in XXXX. After six months in XXXX, I received news that I had been accepted for hire by the XXXX back in my home town of XXXX, Florida. Upon receiving this news, I returned home expecting to start work immediately. Upon returning, I was informed by the XXXX that it would take a few months to complete all of my new hire paperwork. During this time, my new home was being completed, with an expected completion date of XXXX. I returned home at the XXXX. Once I learned that my hiring would be delayed by a few weeks to a few months after completion of the home, I shared this information with the XXXX XXXX mortgage broker. Without any further consultation with me, she promptly informed me that my home purchase would have to be cancelled until such time as I could prove that I was receiving a pay check from my new employer ( during this time, I was receiving retirement and XXXX compensation, as was my wife, totaling approximately {$XXXX} a month, which would balloon to $ XXXX a month once I was able to start at XXXX XXXX XXXX XXXX ). Although I was disappointed by this decision ( I really wanted that new home! ), I capitulated to their decision and requested that my down payment money be returned until we could start the process anew once I received my firm hire date. Upon asking for the return of my funds , XXXX XXXX personnel informed me that my money would be forfeited as " damages '', but that I could receive the funds back if I purchased a different home within six months from the date of their forfeiture decision.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

I have continuously tried to leverage with Equifax. Equifax advised me that they are only reporting what XXXX is reporting and they had no desire to hear me out as a consumer and continues to report this information on a regular basis. I have contacted XXXX directly on XXXX/XXXX/15 and have had no response thereafter. How is it that Equifax can verify the data but I ca n't get in contact with anyone regarding the matter. I have also sent verification reflecting the inaccuracies in the amount due and the date of payment which would reflect the account was laid prior to collections. I want this information removed from my report.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I have disputed a fraudulent account listed on my credit report twice, and I am still fighting to get the account removed. I provided the identity theft complaint as supporting documentation with the XXXX dispute, which included the police report number, and XXXX 's name who filed the report. I have explained to them that the police report with the identity theft complaint is XXXX pages total, and that 's why I have n't sent the actual police report. Equifax used the same identity theft complaint to place a security freeze on my file, but I still have to go through XXXX to get this fraudulent account removed, that is included in the identity theft complaint as fraudulent. I called the creditor yesterday several times before they could even find this account in their system, and when they finally located the account, they admitted that they received the identity theft affidavit on XX/XX/2016. This account was removed/blocked by Experian on approx. XX/XX/2016, and creditor was notified by them. I called Equifax again yesterday after talking to the creditor ( XXXX ), and told them that XXXX is acknowledging that this is a fraudulent account, so how do I get this removed. Equifax told me that I would have to send a copy of identity theft affidavit/police report with a request to remove the fraudulent account, also a copy of ID and social security card. Even though I have provided a copy to them, and again, this was the same identity theft report they used to place security freeze on my file, I faxed it to them again because I simply want this account removed so I can get on with my life. This account is damaging my credit!!! This is not even my account, and I have gone through XXXX to clear my name of fraudulent accounts/information that has caused enough damage to my life. No identity theft victim should have to go through this, calling credit bureaus/creditors in tears over what should have been resolved by now. I called Equifax again today XX/XX/2016, and they ca n't even confirm they received the block request, all the other documents they requested, which was faxed yesterday. I wanted to make sure they received what was requested/required to resolve this fraudulent account, and they ca n't even tell me that much!!! They said I have to wait XXXX hours to even find out if they received the fax. What do you mean XXXX hours? This is beyond ridiculous. And this is the same information they were given already, because they used it to activate my security freeze. Do I have to take legal action to get this fraudulent, inaccurate information removed?
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Experian has failed to verify my XXXX tax lien that were withdrawal by state of Ca. 
Lien # XXXX Lien # XXXX both withdrawal by state of Ca FranchiseBoard Sac CA XXXX. Experian has been reporting it incorrectly for over 5 yearsas paid and Release. It is damaging my credit file. Experian needs to verfiy it XXXX both were withdrawal I paid XXXX .Please be advised this is my LastWRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Deleted both liens from my credit file.
Consumer complaint received 2015-08-01
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC. (TN)

I took out a payday loan in 2012, I lost my job shortly thereafter and they kept charging my bank account. I eventually closed my account and paid the overdraft fees of approximately {$140.00}. I have moved a couple times since then due to my fiancee 's work and and my family is receiving threatening calls from a lady who states she is issuing a felony warrant for my arrest due to non-payment. I contacted her yesterday, as per I was a XXXX, and told her she is in violation of the FDCPA and to stop contacting my family. She said she will contact whoever she wants and in XXXX hours there will be a felony warrant issued for my arrest. Her name is XXXX XXXX, with XXXX, XXXX and XXXX out of XXXX, her phone number is ( XXXX ) XXXX. She has given third party information to my sister in XXXX, my mother in XXXX, and is contacting my sister 's husband on his cell phone.I asked her to cease and desist all verbal communications and to contact me via email, she became irate and started yelling and screaming that she 's coming for me. I was at work, so I just hung up.
Consumer complaint received 2015-06-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

I opened a paypal account in 2003. Since the period, paypal has updated its terms of service frequently with extreme anti-seller provisions, without any acceptable disclosure, and without my permission/consent per the e-sign act. I recently became aware that in some cases, these clauses include provisions stipulating that I have to sue them in a court in XXXX, that I have to give sellers 180 days returns, waive my rights to representation with card issues, and that they have the right to charge me money and forward my information to 3rd parties even after I have closed my account with them. I believe the way they operate is not ethical. 

After learning of these changes, recently I closed my paypal account. However, even after closing it- they still attempted to represent me to a card issuer, force determinations, and charge me fees due to a dispute with a buyer for a prior transaction. 

Paypal has a reputation for being extremely one-sided to the buyer in the case of dispute resolution. In this case, even thou I was entitled to " sellers protection '' they violated their own written policies by finding in favor of the buyer even thou I had provided them with ample evidence that no refund was due to the buyer and that their determination was contradictory to their own stated policies- and they have since given me a negative account balance and threatened to send me to collections. 

I would appreciate the CFPB 's help in resolving this matter with paypal.
Consumer complaint received 2015-10-09
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

XXXX Paypal charged me fees XXXX and XXXX for XXXX transactions initiated on XXXX XXXX in the amount of XXXX and the other in amount of XXXX both transactions where cancelled almost immediately after they were initiated. When the both transactions hit my account they sent me not only into over draft but they were rejected by the bank and sent back to PayPal. I receive notice from the receiver that the funds did not come through and I paid her with my Paypal balance instead of using Paypal to initiate a funds withdrawal from my bank to pay her. After this PayPal attempted to run the XXXX cancelled transactions through my account again even though these transactions had been cancelled and never accepted by the receiver. These transactions caused my bank account to become overdrawn. I contacted PayPal and inquired about these transactions on XX/XX/XXXX and the customer service lady told me that once a transaction is initiated even if the receiver cancels the transaction the transfer is initiated. I said well in order for the receiver to get the money they have to accept the Payment and if they cancel it or reject it why would the transfer go through. She told me that I needed to take it up with my bank if I did n't think the charges were authorized. I told her that I had already paid XXXX XXXX through my Paypal balance and that these charges were unauthorized and a nuissance to the legitimate charges coming through my account. She said that I needed to contact my bank about those fees and the charges. So that 's that I did and yes some how the return of their cancelled charges Paypal has tried to charge me XXXX fees. XXXX for XXXX and another for XXXX for these returned payments from the bank.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

Last XXXX ( 2015 ) I order a hat from XXXX an online creditor.. phonr number, XXXXXXXXThe had that I received was the wrong type and size. I returned this product since last XXXX ( 2015 ) .To date XXXX is still charging me for the product. Since I refused to pay they had send my account to a collection agency. 
In addition, I usually order product from another online creditoe. XXXX. Approximately 2 weeks ago I had attempted to order products from XXXX. I had experienced prejudical treatment from XXXX staff. Eventually they took my order but, never approved it. About a week later, I called XXXX and was pushed around for almost one hour. Finally a supervisor from XXXX customer service, in a nasty tone of voice said that she had cancelled my XXXX account because my XXXX account was send to a collection agency. I should not be paying for any product that I did not have or received. In addition I shoild not be discriminated against because some staff members from XXXX have that authority to discriminate at will.
Consumer complaint received 2016-11-09
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (KS)

On XXXX XXXX, XXXX, I a consumer received a Dispute from Paypal on Transaction # XXXX. Dispute # XXXX. This dispute was from a person who attended a online seminar in XXXX XXXX, XXXX and paid the required cost to receive the XXXX XXXX. The customers dispute is unintelligible but complains to Paypal that she was not happy about promises, suggestions, illusions she made regarding how the event was carried on. Nonetheless the person received exactly what was offered which was a online class. Paypal has engaged in debt collection activities by immediately placing on hold and seizing the personal assets of the consumer based on deceptive acts of its customer attempting to avoid paying for its services received and unable to be returned back. Paypal often creates situations whereby customers are often scammed, schemed by persons who know they can obtain services and goods, file a meaningless Dispute supported by no facts, not even a plausible foundation for the complaint. Since Paypal often does no reasonable investigation, the consumer loses proceeds especially services such as XXXX XXXX to which it can not get back. Paypal therefore performs unauthorized electronic funds transfers of assets without legal, lawful authorization to act as a judicial court. Paypal was sued by the CFPB in XXXX for similar acts and agreed by Consent Order to refrain from such illegal acts.
Consumer complaint received 2015-09-09
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (WI)

XXXX/XXXX/15 I requested a Paypal Credit line to use for an upcoming purchase. I also requested instructions in advance of that purchase, so that the purchase would qualify for their promotion - 0 % interest for XXXX months on purchases over {$99.00}. I received an invoice for my purchase and made a downpayment of {$500.00} using Paypal credit. When I received the merchandise I made a second payment of {$1700.00} ( so both transactions on that invoice qualified for the 0 % promotion ). When I noticed that I was charged interest by Paypal credit, I called to dispute the interest charged. I was told verbally that they agreed that I had made the purchase following their instructions and should have qualified for the promotion. That person indicated I would receive an email with the dispute resolution in 24-48 hours. The email that followed said I did qualify for the promotion and would see changes to my account in another 24-48 hours. XXXX days later the interest was still on my account. I called again on XXXX/XXXX/15 and after several discussions was told that because I made XXXX payments on the invoice it voided the promotion. I asked that Paypal refund the interest charged, since that detail had never been adequately explained in previous conversations. ( Indeed other Paypal reps had indicated I qualified for the no interest promotion and it should be resolved to my satisfaction. ) On XXXX the " supervisor '' I spoke with ( XXXX ) refused to remove ( or credit my account for ) the erroneous interest charged. I feel Paypal Credit owes me a refund of {$28.00} - a small price to pay to retain goodwill with a responsible customer.