davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have been sending written letters to Experian about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, Experian and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the FCRA which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below are the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX Balance {$830.00} XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX {$420.00} XXXX. XXXXXXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$1200.00} XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. TXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$1100.00}
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed errors on my credit report with Trans Union, XXXX and XXXX  several times. Specifically the last time where it was verified with a return receipt they received my dispute on XXXX 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have an XXXX XXXX which was closed in XX/XX/XXXX. It is being reported as Inactive rather than closed by Experian. I have contacted Experian several times over the last 2 years and nothing gets done except they reply back with - " meets requirement of the fair credit reporting act. However, they are using it to lower my credit score based on an inactive account. I have opened numerous disputes with XXXX over the last 2 years, and it goes into a black hole with no resolution. I have asked XXXX on numerous occasions to report the account to Experian as closed which has not occurred.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am not able to apply for credit through equifax. I am not able to apply for anything that uses equifax. I have called and they say nothing is wrong but something is causing these errors in they system.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me. 
XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX   Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

Experian has been charging my credit card for years now for XXXX/mo. I discovered this charge occurring 2 months ago. Every time I try to call to cancel this charge ( which is the only way to cancel ), there is a 2-hour wait time. Today I called at XXXX XXXX  and the prompt message said that I would be waiting over 15 minutes which I thought was reasonable, however I am still on hold and it has been over an hour. I am a XXXX   woman who is no longer employed and I am steadfast at getting this charge removed. This is the biggest scam, rip-off I have ever encountered, by a company that appears to be trustworthy. How many MILLIONS of dollars have they robbed from Americans? It is sickening ... all I know is several years back I wanted to get a credit report, to rebuild my credit and paid XXXX for a report. Years later, they have taken hundreds of dollars from me unknowingly and under the guise of being an honest business. I have never received a phone call or email from the company or standard mail for the XXXX/mo charge and what those services are that are provided to me for XXXX/mo ... .another reason it's a scam. I hope a class action law suit is eventually made on this company and I hope one day that I am reimbursed for being robbed by Experian. I'm filing this complaint while still on hold, so far its been an hour and 12 minutes and no response on the other line. Luckily I'm unemployed currently and don't have other obligations other than filing a consumer report while waiting to speak with scam artists.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flatonia Investments, LLC (WI)

They pre-approved the mortgage for a condo in XXXX TX, then 6 days prior to closing they backed out of the deal - claimed my income ( > {$200000.00} per year ) would not support the loan, even if I put 50 % down - the cost of the House is {$360000.00} - I suspect they just did not want to extend the loan, and they feared they would lose money on it
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

XXXX. I have never had an account with these company, JPMCB CARD with Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 

XXXX. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are JPMCB CARD, the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Today i woke up to an account being on my experian report from XXXX. The card had already been removed from my report back in XXXX after i filed a police report, and waited for it to go away. I pay for the subscription to experian directly so i get alerts at all times. This was just on my report with history that was also not mine and ruined a funding opportunity for my business. Experian says that as long as XXXX   doesnt accept that my identity was stolen, then the charges stand. How is XXXX   able to dictate it MY identity was stolen. Im so tired of the narrative being changed when it comes to XXXX Americans and their credit. So often, others can take illegal advantage of opppetunities. When Im trying to do any and everything correctly, this pops up and they allege they can do nothing to help me. This is crippling my business, and all i can be told is to wait 30 days, after Ive already done so. I need help! This is unfair, and needs to be looked into. I havent had a XXXX XXXX  since XX/XX/1999
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (ID)

I did not RENEW my subscription with XXXX  XXXX, yet they sent an erroneous billing to collection agency A.R.M. Solutions, INC. XXXX XXXX XXXX XXXX XXXX CA XXXX. I owe XXXX XXXX nothing since I did not renew.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I am submitted another complaint as to my follow up of complaint # XXXX, dated XX/XX/20. This complaint was closed on XX/XX/20 and TD Bank still HAS NOT contacted me regarding my missing {$27000.00} that sent to a fraudulent account held at TD Bank. The letter that was sent to you from TD states they are investigating and would be in contact with us. No one has ever contacted us regarding our complaint and return of our money. There is no phone number listed on the letter sent to you for us to even contact anyone regarding this matter. Their response is not sufficient and does not provide the explanation we are requesting.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 1st 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX UXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX, XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IN)

I signed in Experian credit company '' s online site on XX/XX/2018,  to review my credit score for the first time in my life. 

It was showing {$1.00} for reviewing credit, so I paid {$1.00} using my credit card. I was carefully reading the homepage of the Experian to avoid any additional or hidden expense, also I did not agree to join membership. 

However, I found out today ( XX/XX/XXXX ) that they charged me not only {$1.00} but also {$21.00}. It seems I became a member which I never intended to be and will be charged {$21.00} every month. 

First of all, I had no idea how the site structured to make people enrolled for membership. I cant cancel online like with any other business. I had to find a number to call it. I have already wasted enough of my day to figure out whats happened and to find out how to cancel it. Also, I lost money which I actually do not need to pay. 

When I searched online, there are lots of complains about Experian. Attached is the link to some complaints. This practice of forcing membership without refund should be made illegal. 
XXXX XXXX XXXX
Consumer complaint received 2018-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Discovery Systems, LLC (GA)

I received a call on XX/XX/2018 approximately XXXX XXXX, in regards to someone who has used me as a reference on a loan. This company has called me previously and I told them that I can give them a one time message. So today, they called and I explained that I have nothing to do with this and please do not call me again. The caller named XXXX proceeded to argue with me and tell me that because I was used as a reference they can continue to call me and they will unless I provide updated contact info on the person they're trying to reach. I then proceeded to tell them that I will have my attorney call them for them cease and desist from calling me. I explained that I have nothing to do with the debt and that I am not the one who they should be calling. He repeatedly told me that because I was put down as a reference.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX shows balance of XXXX since XX/XX/2022 Ive never owed them that amount. Also a dc address shows on my report and Ive never lived in dc Ive tried multiple times to get resolved and still shows
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

In late XX/XX/XXXX or early XX/XX/XXXX I opened a credit card online with XXXX. After my first order I requested closure around XX/XX/XXXX because I felt the merchandise was substandard and the credit limit was not worth my trouble. I also requested that a written statement be sent to me showing the closure and the balance so I would have records. The statement arrived sometime thereafter with payment due date of XX/XX/XXXX. 
On today XX/XX/XXXX, I called there customer service line to pay the account balance and their system would only allow a check payment so I entered my account information and immediately was informed after receiving a payment confirmation number that a payment profile had been created with my account information. I was not given any choice as to whether or not I wanted my checking account saved on their system. After informing me that the checking info was saved, I was then informed that the credit account was closed.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

My 3 credit cards from CITI bank were abruptly closed on XX/XX/XXXX. I  have contacted CITI to inquire about the reason for the closure. However CITI hasn't provided any reason. In addition to the closure, CITI has also forfeited more than XXXX Thankyou points I have earned over past 5 years. And again CITI hasn't provided any reason and refused to retract the decision for the forfeit.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore the above accounts were created without my knowledge and I demand that the attached account be permanently removed from my credit file.