davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX is on my credit report 1 ) without an amount. I never had internet for 2014. XXXX billed for internet. I had XXXX for phone. I have history of records, payments, etc. I have paid in full but it is on my credit. I was late with small payment but should not have owed that anyway due to no internet for the year 2014.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (VA)

On XXXX/XXXX/15, my credit report was pulled by a company called " XXXX XXXX '', this firm pulled my report both from XXXX and Experian. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I sent experian documentation to experian to prove that these items should n't be on my report. they stated my results are ready but when i enter all the information to get results I get the following. '' The results of the processing of your dispute ( s ) are now available. View the results instantly online. Your Report Number is : Your Investigation ID is : XXXX '' " We .are unable to honor your request to access your credit report online. Please call us at XXXX, or you can submit disputes and supporting documentation at experian.com/uploadSelect this link to submit your dispute and supporting documents at experian.com/upload or write to us at XXXX. XXXX XXXX, XXXX, TX XXXX. '' so that they can correct my credit score. if they update my credit score it would over XXXX they are intentionally not updating my report to get the correct score. I have provided the proof and documentation and submitted online via their website and now they are not responding. to me they are trying hard not to update my credit score and using these delay tactics. 
experian is n't doing anything to correct my score which is grossly wrong. with the corrections my score would be over XXXX and should have been over XXXX for the past XXXX XXXX years. instead my score was in the low XXXX ( XXXX ), they are discriminating and illegaly not reporting correct information on certain peoples reports. not reporting corrected information and updating my score hinders me from employment, loans, apartment approval, and much more for the past four years. this should be looked into because I am sure this is effecting XXXX.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I will file a lawsuit for Experian committing fraud and stealing {$21.00} from my credit card when the credit and FICO score was free. I do NOT approve of this bill. I did not sign up for any membership. I signed up because it was free. They bring people in with free credit scores {$1.00} and then charge people {$21.00} weeks later. I never even gave them my credit card number. This company is a huge SCAM. The government should not allow this to happen. They are committing white collar crimes and should be subject to punishment. I am not the only one who 's been robbed by this big company. If you read the complaints about this company its endless. Please do something thank you!
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX knowingly and incorrectly reported that I had n't paid a bill. The bill was incurred by someone who had been a secondary on an account that I had closed. The secondary, an employee, had also opened his own account with XXXX. The charge should have been charged to his new account and not to mine which had been paid off in full and closed. Experian refuses to accept the evidence I have that proves this was never my charge. There are also multiple misstatements on my credit report with Experian. I have had a spotless credit history for XXXX years excepting this XXXX incident with XXXX. Experian is defaming me and, of course, also hurting my prospects for acquiring new credit. I 'm entertaining the notion of suing them for defamation unless we can resolve this matter through the CFPB. How is it that XXXX refusal to pay a charge that was never mine in the first place for {$100.00} led to a drop of XXXX points in my credit score? How is that permitted by any law that governs the behavior of these credit bureaus? I do n't know if I 'm more astonished/shocked or infuriated. But basically both at some level.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ProCollect, Inc. (TX)

I would like to file a complaint against Pro Collect for falsely reporting a debt to the credit bureau that we believe is not justified, also we never received notification that we owed any money from the complex. The first time we were made aware that we owed any money was months after we vacated the apartment complex. 
My husband received a call for the first time in XX/XX/XXXX from a credit collector. The person stated that we owed money and that if we did not pay the bill in two days from the date of his call that he would report the amount owed to the credit bureau. My husband stated that he was not aware of any money owed. The gentleman stated that we owed money for an apartment we vacated in XX/XX/XXXX. He said we vacated the premises early, broke the lease and was not available for a walk thru. He said that we had no proof that we did not vacate premises early. My husband reiterated that he was not aware of any money owed and that we did not vacate premises early and we paid any charges that were due before move out. My husband said that he would have to look into the matter and call back before he paid any money. The creditor repeated the charges were valid and that we needed to pay in two days. He hung up with my husband and then contacted my cell phone several times. 
I contacted the property we formally resided at to inquire about charges we owed I spoke to XXXX she said that she was an assistant manager. She said the apartment complex was under new management, so it would be difficult to answer any questions regarding the collection call we received. She was able to locate some records that noted that we owed money after we moved out. I informed her that everything was paid before we moved out in XXXX and if we owed any money why did n't we ever receive a phone call or letter. She said that we may not have received notification if we broke the lease and vacated the property prior end of lease. I told her that we did not. I contacted Pro Collect to inquire about the bill and told by a young lady that if I had a dispute she could not assist me she could only take a payment. 
We paid our final bill prior to moving out and spoke directly to a manager and office clerk that informed us that we did not owe anything. If they noticed later that charges were not calculated correctly and money was due, it was management responsibility to ensure that we received notice of what was owed. We never received any calls or letters about any money owed until months after we vacated from a collection agency. We would have gladly paid any money owed to the complex if they had contacted us. We do not want any blemishes on our credit report we pride ourselves on paying our bills in a timely matter. My husband and I will pay any money owed but the debt must be removed from our credit reports because it is not our fault that the property management failed to communicate to us.
Consumer complaint received 2016-09-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (WA)

XX/XX/2016 I applied for a payday loan through Big Picture Loans. My application was recieved and I was authorized for a {$400.00} loan with a financing fee of {$140.00}. They said they needed addition to process the loan, They attempted to contact me via email and phone calls, to which I never responded. Eventually they notified my via email that the funds were approved ( although I never spoke with them to confirm or provide the information they were asking for ). The {$400.00} appeared in my bank XX/XX/XXXX. Beginning on XX/XX/XXXX I had my first payment withdrawn from my bank in the amount of {$140.00}. Since then I have paid {$140.00} every two weeks for a grand total of {$690.00}. Much more than the {$540.00} I was under the impression I would be paying. Since then I have further delved into the disclosures and have come to realize that the first several payments do n't even go towards the principal amount of the loan - they go into interest. As a matter of fact, I have learned that the actual payback amount of the loan is {$2200.00}. That is an interest charge of {$1800.00}. While this information is available, I feel it was very misleading and would have never agreed to this loan if I knew the full extent of the interest I was going to be charged. My loan number is XXXX.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Experian.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MD)

For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OK)

Experian credit reporting agency is reporting a tax lien that does not exist. The county they are saying filed it is XXXX County Oklahoma. They are reporting {$52000.00} from XXXX County Clerk XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ok XXXX phone number is XXXX ( XXXX ). No such tax lien is existing. I have had no luck getting Experian to remove this. They are also reporting a lien that was paid in XXXX County as unpaid when it is paid.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

To : CFPB XXXX XXXX, OH XXXX XXXX RE : Experian To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

Sincerely, XXXX
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (MI)

I recently discovered that my nonpublic personal information was displayed on my credit report without my written instructions and consent. This information was disclosed to a third party without my authorization, which is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ).

I understand that my nonpublic personal information may have been disclosed due to an error or oversight on the creditors part, but I want to emphasize the importance of protecting my private information. I am concerned about the potential consequences of this disclosure, including identity theft and financial fraud. 

I request that you take immediate action to correct this violation by removing the unauthorized information from my credit report and any other third-party disclosures. Additionally, I request that you provide me with a written explanation of how this happened and what measures you are taking to prevent it from happening again in the future. 

I would appreciate a prompt response to this matter, and I hope that we can work together to resolve this issue and protect my privacy rights.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WA)

I have been a XXXX customer for almost 2 years now and they are not reporting my payments as required. My report on Experian is displaying ND which means no data. 
I am requesting that they update my Experian report to show OK on my report.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (SC)

I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.
Consumer complaint received 2020-08-18
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: LEXISNEXIS (MS)

According to Lexis Nexis, They are reporting that the alleged bankruptcy listed on my file is reporting accurately. According to the Court house, the original creditor they never verified with Lexis Nexis this information.

I want Lexis Nexis to Provide their method of verification, on how they verified that this bankruptcy was reporting MAXIMUM POSSIBLE ACCURACY under the FCRA 15 U.S.C section 1681 et seq
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I am showing a 30-day late payment on all my credit files for an account at XXXX. The late payment shows XXXX 2014. However, I have been enrolled in automatic payments with XXXX since XX/XX/2014. SEE attached letter from XXXX. This error is on XXXX, not me. I have never had a late payment. PLEASE DELETE A 30-day Late Payment.
Consumer complaint received 2016-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OR)

This was removed from my credit report per the above mentioned dispute. It was then sold to another collection agency and again put back on my credit report. I filed another dispute ( Confirmation # XXXX ) and they have refused to remove the information that they had already once deleted from my credit report.
Consumer complaint received 2015-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (DC)

High Point Asset at XXXX keeps calling my cell phone. They are asking for someone who I do not know and have never heard of. It is a robo-call and it says that they are calling for a " person of interest. '' They will not stop calling. I have tried calling them and they will not stop. They are located in XXXX, New York and will only provide an address of XXXX. XXXX XXXX at zip code XXXX with a fax number of XXXX.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

This account has been disputed time and time again. I have submitted undisputable proof where the company that they made errors with my documentation. I lost a sale of my property due to them making an error in my processing. The credit reporting agency still has not had this removed from my file. they keep stating that is account is verified as is. But with me showing proof of their negligence it should not remain on my credit file. I also have proof where they removed the account from credit file and had it placed back on by changing the date.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NM)

I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX # XXXX XXXX XXXX XXXX # Opened Date XXXX $ {$4500.00} XXXX # XXXX Inquired that is not mine XPXXXX B XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XP/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX This address is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I never live there please removed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (MA)

I Have sent in my dispute letters to get these late payments removed. I wait the 30 day window to hear back and they sent me mail saying they updated my account. When I reviewed my credit report I noticed there weren't any updates with late payments. they were still on my report under my accounts. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX  XXXXXXXX XXXX XXXX- XXXX 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 an account without my written Instructions.

15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as alate for any reason.
Consumer complaint received 2022-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have private loans from XXXX that were originally from sallie Mae, now navient services them. I am in a repayment program that I have to keep renewing every 6 months or they increase my monthly payment even more. Every time I renew the program the amount goes up. 

I ask them to lower the payment, they say they can not. 

Is there any assistance with these loans seeing as they were for XXXX who was found fraudulent for pressuring students into signing loans.