davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

This has been going on for months and years ... I have given you all info re : this complaint ... I have advised Equifax ( many times ) and still they have all the duplicate info on my credit report.. XXXX XXXX XXXX XXXX ... it is quite obvious that these are duplicates and they will not remove. Also I am trying to get a home loan to purchase a home and Equifax is a mess and stays a mess no matter what I say. 

XXXX : I have not had a XXXX account in over 10 years and have requested this removal many times. I have never used a XXXX. I have asked this be removed as well. These credit reporting agencies are not investigating properly ... THIS INFO I AM REQUESTING TO BE REMOVED MUST B E REMOVED IMMEDIATELY ... THIS MESS IS CREATING ME FROM GETTING A HOME LOAN.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX i was turned down for a apartment XXXX in XXXXXXXX due to a past rental debt/judgement that i was unaware of with XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and property mangement XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OfficeXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of my lease XX/XX/XXXX i complained about several repairs needed to the property such as Air conditioning not fully working properly, and suspected mold showing in the home. I as well as my families health deteriorated in the home, and served XXXX letters certified as stated in the lease. I also went according to the attorney general page to look for direction on this. I am upset because XXXX XXXX took it upon themselves to serve an ILLEGAL Eviction when their was no one in the home, they were notified of the reason that i was leaving per my lease. I have served the property management XXXX a letter and they are stating they no longer are over the property and that i would need to speak to XXXX XXXX who does not reside in the XXXX area. I wish to have this infallacy removed from my credit and also i will filing a civil suit against XXXX XXXX. Please assist with this matter before it turns to the court.
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

We have a business account with Wells Fargo. Today after speaking to 4 representatives and spending 1hr and 30 minutes on phone, nothing has been resolved. We last spoke to a respresentative who put us on hold and never came back. The problem is when logging onto online banking on computer it asks for us to update phone and email address. When we click update it tells us to call an number for Wells Fargo. Well we told 4 different representatives this and kept getting transferred to someone else. Nothing has changed with our phone or email so nothing needs to be updated just this message needs to be cleared. This is UNACCEPTABLE to be treated this way.
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

After carefully reviewing my Experian Credit Report, I noticed a couple of creditors incorrectly reporting to my credit report. 
Below is a small list of the creditors that I would like to have permanently removed from my Experian Credit Report immediately, please:1. XXXX XXXX COUNTY RECORDER - Identification numberXXXX. This public record 's creditor is reporting to my Experian Credit Report by mistake. I 've reached out to the county recorders office regarding this Public Records item and they 've confirmed with me this it is reporting to my credit report incorrectly. It is basically reporting to the wrong XXXX XXXX XXXX, XXXX As a matter of fact, to ad insult, based on their records, XXXX is not even included in the name that its supposed to be reporting to nor is the address mine as well, based on what they have in their records. 
2. XXXX - Account numberXXXX .... I 've never had any XXXX XXXX XXXX credit card and nor do I know of anyone who has added me to their XXXX Card as an Authorized User as it states on my credit report. I would like to have this credit card permanently removed from my credit report, please.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of Identity theft and have been attempting to reason with Experian for years for XXXX accounts in particular. They simply refuse to even re-review them and its ruining my otherwise perfect credit. I 've requested on XXXX occasions in the last year for a review, they just refuse and say they have already looked into it. XXXX account is a public records account that was paid in full before it should have ever been reported, they still wont remove it. It wasnt even mine and i paid almost {$7000.00} because it was the least worst option at the time. The second XXXX is for a utility company claiming i had services, i wasnt even living in this state when they claim i had services. The folks that stole my identity opened credit cards, bought a car, rented an apartment, and i would imagine utilities too. They simply wont remove itI do n't know what to do and they refuse to help
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 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 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 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 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 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 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 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 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 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
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX & WA Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXX student loan accounts, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ) by failing to correct these inaccuracies. Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ), Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c, and the Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531. I have attached a copy of the original correspondence from XXXX, dated XX/XX/year>, which confirms the correct balance and payment status of the account, proving that Experians current reporting is inaccurate.
Consumer complaint received 2016-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (IL)

This account was paid off/transferred to another lender, XXXX, in XXXX of 2017. It still remains on my XXXX, XXXX and XXXX XXXX reports with late payments. Since the account has been paid off and I know longer owe ACS, I do not wish to have this account show up with derogatory statuses or late payments on my reports.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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 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
Consumer complaint received 2015-05-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (OR)

I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington XXXX XXXX. Please see attached documents.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Most of the information on my credit report are incorrect from balance to creditor to timing of my payments to my address there nothing thats accurate about my credit report it need to be change they have XXXX different name for me XXXX different address XXXX different phone number
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I have repeatedly notified Experian that they are sharing my credit report without my permission. They refuse to remove the unauthorized inquiries. XXXX XXXX Date of request XXXX/XXXX/2015, XXXX XXXX Date of request XXXX/XXXX/2015, & XXXX XXXX XXXX Date of request XXXX/XXXX/2015 are all unauthorized inquiries. Finally, they continue to report erroneous data that I have an account with XXXX XXXX that was late and a charge off with the XXXX. These are not my accounts.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX I personally mailed Experian a request to investigate XXXX negative accounts I had listed on my Experian credit report. On XXXX XXXX they mailed me a letter stating that they deemed my request as " not sent by me '' and that they were not going to complete the requested investigation. I contacted them by phone to explain that it was sent by and to request instructions on how to prove that it was sent by me. Their response was that I could n't prove it and all I could do was to resend the same request. I explained that if I resend the same request I will probably get the same denial. I sincerely feel that this is nothing more than a stall tactic on their part. They are not allowing me to dispute items on the credit report.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (AL)

I owed about {$1400.00} to a Urologist for a time when my insurance had lapsed for a period of a few weeks. At the time I had been paying XXXX but was about to have employer based insurance. The doctor told me he may write it off. This never happened. Later I found out they had turned this over to a collection agency and had stopped allowing me to see my physician. I immediately agreed to pay what I owed to the doctor. Recently I questioned the amount and somehow it conflated to {$1800.00}. I asked why. They explained the debt collection agency charges 33.33 % interest so I 'm paying for the debt collector. I was under the impression I was only to be billed what I owe and that it is not my responsibility to pay for the debt collector.
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have XXXX collections showing on my credit report that was unauthorise XXXX XXXX XXXX and XXXX XXXX and inquries that I did n't authorize that im having trouble removing. I put an fraud alert on my report and I also have police report in regards to the items. but no reponse.
Consumer complaint received 2015-05-05
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cottonwood Financial Ltd. (UT)

A phone message was received by several people on my phone contact list stating that I have a complaint filed against me and they should contact " this number '' immediately. I have no idea how they had access to my phone contact list as the people who received the message where never listed on any form or application by me. When I contacted the number the man said " XXXX XXXX ''. When I asked what they do he avoided all questions. Continually stating I am in dire straights and must pay a certain amount immediately to avoid charges of " fraud ''. He has demanded this money immediately and I refused. He then said " I ca n't protest you if you do n't pay. '' I told him if I owe money I will contact the company I owe myself but refuse to send him money. I am so embarrassed that my contacts have received this message. The XXXX XXXX man refused to answer why their company has my private phone number list and why they are contacting people on that list.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (SC)

I have made numerous attempts to access my free credit report from Experian through XXXX. Although the other credit reporting companies have provided me with my report, my request from Experian always meets with the response " A condition exists that prevents Experian from being able to accept your request at this time. '' There is no way to speak directly to a human being about this problem : the company 's telephone number simply leads me back to recordings that direct me to the website or tell me to make the request by mail. The point of the annual credit report website, however, is to make this information available online. Their refusal to provide any means of contacting the company through normal channels is unacceptable Experian has provided me with no way even to seek redress about this problem, so I submit the complaint here.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (NJ)

I have been requestign a credit report freeze to be lift temporarily with all credit reporting agencies. XXXX and XXXX were fast and efficient. Experian on the other hand has been extremely difficult first they NEVER sent to me the PIN number upon the original freeze being placed in XX/XX/XXXX ( I have all the paperwork from a case of identity theft ). When I requested the PIN number to be sent on XXXX XXXX XXXX, the person on the phone indicated that he has requested it and it will arrive in 7-10 days. When it did not arrive in 7 days I called again. It seems they had no record of the request being put into the system, when I was not satisfied with the answer provide - put all my information into the system to request a new PIN, I requested this case be escalated it to the next level of management. This was done but only after I insisted 3 times. Then I was deceived and lied to - first that no agency had requested my credit report ( in fact XXXX had as I am in the process of taking out a home equity loan and buying a new house - both confirmed on the phone and in writing that the lenders could not access my Experian account ), XXXX ) was told that there is no one that this person ( XXXX ) reports to when I asked to escalate to the next level ( now I was feeling lied too - this was corrected - apologetically ), when asked if the PIN number could be expedited I was told no this is the process - then the supervisor indicated it could and he requested it - indicating it should arrive on Saturday ( it did not ). Experian is a deceitful company with internal processes that do not work and are holding customer hostage. Any agency or company with this level of importance ( all the banks use all XXXX credit rating agencies ) whose actions are deceitful, inaccurate and less than trustworthy should not have this level of responsibility. If they can not get this right - how do they effectively calculate a credit score???
Consumer complaint received 2017-03-15
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Risecredit, LLC (SC)

I was checking my credit report with XXXX, and I l seen an hard inquiry that was not done by me ... Rise is the name of the company, I have disputed this inquiry several times with this company and they still refused to take this inquiry off of my credit report. I have fax letters and also told them that I have identity theft on my report. They still have n't shown me proof of me signing anything in my own hand writing. I have applied for several jobs and was turn dwn because of this hard inquiry. All they say is that the hard inquiry is mines base on my name, and address ... I want this inquiry DELETED/REMOVED off my report ASAP. Thanks
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to express my continued frustration with your failure to resolve the ongoing issue regarding unauthorized and invalid hard inquiries that remain on my credit report. As I have previously stated, I did not authorize these inquiries, and their presence on my credit file is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).