davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I contacted Experian and have sent countless of letters to have them delete innacurate and wrong addresses jobs and phone numbers from my persona credit report. It is a violation of the FCRA for them to just place and hold this information on my credit report especially when the other credit bureaus have removed them. The information is not correct and that is it!! I need the following information to be removed : was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for them to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 
Each and everything below needs to be deleted. It 's quite disturbing that you are putting others personal information on my file. DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 
Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX 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 2016-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian, Over the past 3 years I have completed the required process of disputing information on my credit reports. XXXX XXXX and XXXX adequately investigated and updated and removed items in question. Experian for the past 3 years has either not responded, stated investigation complete and items remains with no explanation, Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account ( s ) I disputed, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly Delete ALL information which can not be verified '' that I have disputed. Items well past statute of limitations have not been removed after multiple requests. I do not know what more I can do. I will be filing a complaint with my state attorney generals office as well as I will be retaining legal counsel on this matter if not resolved. Under federal law, credit reporting bureaus are required to conduct reasonable re investigations of complaints instead Experian does not investigate nor verify inaccuracies. I have had to pay their monthly fees consistently with them continuing to try and sell more products to me. I have sent these letter multiple times over the past 3 years. Most recent dispute letters and supporting information will be uploaded.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I stated over the phone that I would assist my son with a line of credit with the XXXX XXXX XXXX XXXX. Unfortunately, I had a change of heart after hearing the details so I decided to call them and tell them that I was not going through with it. They stated that the increase had been given and listed me as a co-signer even though I did not sign the contract. I contacted them again and they still will not remove me from the line of credit. I disputed the account and it is still listed.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I have XXXX bankruptcy 's on my report that are reporting inaccurate information. Both cases are showing a claim amount of XXXX and a liability amount of XXXX. I requested that Experain verify that information and report accurate records. Experian keeps reporting the same information without verifying that information with the credit agency. According to law they have 30 days to verify that information or removed it form my credit file. Secondly Experian keep sending out notices stating the investigation will take 60 days and thus far its been 6 months and Experian has verified nothing and still reporting inaccurate information
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX is not removing the XXXX XXXX Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX. 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Experian to delete this account ASAP.My cell phone number is XXXX.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CO)

ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO EXPERAIN IN REGARDS TO A LETTER THAT THEY HAVE SENT TO ME VIA THE US MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO EXPERAIN ON MY BEHALF, I THANK YOU IN ADVANCE. 

I am very distressed that Experian has re- inserted previously deleted information back on my credit profile due to its damaging effects on my good credit standing. As you Experian are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I am now DEMANDING that the inaccurate accounts be completely removed from my personal credit report! As this is a clear case of unverified debt here and I am URGING Experian to adhere to the law. THE FOLLOWING INACCURATE ACCOUNTS INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY PERSONAL CREDIT REPORT : XXXX- ACCOUNTS NUMBERS # XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
THIS INACCURATE ACCOUNTS WERE ILLEGALLY RE-INSERTED BACK ON MY EXPERAIN CREDIT REPORT, WHICH IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORT ACT! THESE ACCOUNTS SHOULD BE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX THIS ALLEGED ACCOUNTS INFORMATION IS INACCURATE AND SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDED ME WITH A COPY OF THE LEGAL DOCUMENTATION IN WHICH THIS ALLEGED COMPANY HAS PROVIDED TO THEM ON MY BEHALF, AS I HAVE TRIED TO CONTACT THIS COMPANY SEVERAL TIMES ON MY OWN AND HAVE BEEN UNSUCCESSFUL IN GETTING THEM TO RESPOND BACK TO ME, I HAVE PREVIOUSLY ENCLOSED A COPY OF THE DOCUMENTS IN WHICH I HAVE REQUESTED THAT THEY LEGALLY VALIDATE THIS ALLEGED ACCOUNT! THIS ALLEGED COMPANY HAS LEGALLY FAILED TO VALIDATE THIS ACCOUNTS INFORMATION WITH MY IN THE TIME FRAME ALLOWED TO THEM BY LAW! EXPERIAN IS NOW KNOWLY AND DIRECTLY IN VIOLATION OF THE FAIR CREDIT REPORTING ACTAND THE FAIR DEBT COLLECTION PRACTICES ACT, BY CONTINUING TO REPORT THESE ALLEGED ACCOUNTS AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT THEY ARE. AS XXXX XXXX XXXX HAS ALSO BEEN MADE FULLY AWARE OF THERE DIRECT VIOLATION OF THE LAWS, BECAUSE I HAVE ALSO FILED A COMPLAINT AGAINST THEM WITH THE ( CFPB ) CONSUMER FINANCIAL PROTECTION BUREAU AND THEY HAVE ALSO LEGALLY FAILED TO RESPOND TO MY COMPLAINT! SO NOW I WILL ASK YOU EXPERAIN HOW IS XXXX XXXX XXXX RESPONDING TO YOU WHEN THEY HAVE FAILED TO RESPOND TO ME AND THE GOVERMENT ENTITY THE REGULATES THEM? 
THIS IS ONCE AGAIN A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN ONCE AGAIN TO ADHEAR TO THE LAW AND REMOVE THIS INACCURATE ACCOUNTS INFORMATION!!!!!!!
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Experian via certified mail. Experian refuses to honor my claim & the evidence submitted. Experian continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXX is not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXX is not my account please remove this from my credit report. 
3 ) The Department of XXXX XXXX XXXX XXXX XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
4 ) Navient # XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times. 
5 ) XXXX XXXX # XXXX is not my account please remove this from my credit report. 
4 ) Diversified Consultants XXXX Is not my account ( s ), please delete them from my credit file I would also like for Experian to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Identity theft : There are XXXX credit cards that were opened up in my name as a result of identity theft : XXXX is XXXX and the other is XXXX card : I contacted the credit reporting agency 's to report this fraud. I also contacted those XXXX stores. XXXX sent me a fraud investigation form which I filled out and sent back immediately and after there investigation it was proven that someone stole my identity and opened it fraudulantly. XXXX is still reporting on my credit report even though they were notified it was fraud and to remove it from my report. I have also contacted XXXX numerous times and requested the same form so an investigation can be done. I get nowhere with XXXX just the run around. I feel there is no proper investigation being done with these credit reporting agency 's and they just keep updating my report with this incorrect information which is affecting my score.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CT)

When applying for a loan recently they discovered a had a derogatory delinquency on my report when I called experience they told me to work it out with the creditors who I know I never had an issue of any kind with. I tried to get to the bottom of this for days thinking someone was trying to steal my identity. I called the experience a few times and finally they told me they had merged my account with someone else 's ... ... sorry. I wanted them to not only fix that but all the names that had come up on my report including this other person and I would like a PIN number in order for anyone to access my report and I would like a copy of the new credit report sent to me email and postal mail. None and I mean NONE of these things has happened. Now I do n't know if this person is running around pretending to be me but the experience does not seem to be a bit concerned about this mistake and I am very upset and think I will need to get an attorney now.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time in XXXX of XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any Debt and have been a Customer who has always paid on time for Services or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home in XXXX of XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the Collection was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over 30 times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day 1. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service Database, XXXX informed me they contacted Experian and XXXX to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to 60 more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for 30 years.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

Per the FCRA I contacted the merchants in question and submitted a request to verify/validate information that was listed on my report in regards to payment history. On my credit report there was a XXXX accounts that showed late payment ( s ) which i disputed and offered to provide documentation showing that the information was not correct. When I attempted to contact Experian to file a dispute they told me that it was up to me to file the dispute with the merchant which I explained was incorrect per the law and that they were required to submit a dispute on my behalf and provide me with the results of this dispute. After asking to speak to a supervisor the rep then hung up on me.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

I have challenged the negative items on my credit report stating the obvious FCRA laws with Experian to no avail. The response I was given from Experian had almost remotely nothing to do with my initial dispute letter. I am VERY frustrated and need help with dealing with these bullies who do n't follow the law.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CT)

XXXX said I owed a balance from an old bill and have been reporting me delinquent for over a year. They never contacted me to pay it. I think they should delete this from my credit and waive the charge for this inconvenience and wreck of my credit. The account number is XXXX and amount is XXXX.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

When I brought up my credit score, as a service from XXXX XXXX, it continues to say '' serious delinquency ''. I called them and they said they get their information fromExperian. I have asked you guys for MONTHS to help me with this and you have done NOTHING. I have responded to endless letters, forms, I have called ... do I need to get my legislator involved? NO ONE WILL TELL ME WHAT THE SERIOUS DELINQUENCY IS WITH MY CREDIT SCORE. I am not in serious delinquency on anything yet it continues to show up!! What in the hell is it? Why wo n't you help me? Do I need to get an attorney?
Consumer complaint received 2016-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (TX)

I have student loans with XXXX, XXXX, and ACS. With XXXX and XXXX, I file paperwork once a year to enroll in income-based repayment ( IBR ), and my enrollment is good for one year. This is how IBR is supposed to work : yearly enrollment. However, with ACS, I have repeatedly had to enroll in IBR multiple times per year. Every year for several years now, I have enrolled in IBR with ACS, only to be knocked out of IBR, and then I again must submit paperwork to ACS to re-enroll in IBR. This is time consuming and results in being placed in the standard repayment plan, which means that until I again enroll in IBR I risk defaulting on my loan if I do not make full payments. Plus, as far as I know, ACS only accepts IBR enrollment through mail or fax and can take several weeks to process the paperwork, whereas XXXX and XXXX accept enrollment in IBR online and through e-mail and process documents much faster. I am tired of dealing with enrolling in IBR with ACS multiple times per year every year. This practice should not be allowed and increases the likelihood that loan holders will default on their loans.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from '' date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Credit determination — 
Company: Experian Information Solutions Inc. (PA)

Dear CFPB, For the past year we have attempted to obtain a XXXX without success. Due to an attempted identity theft, our XXXX credit reports were frozen. XXXX uses XXXX for the XXXX processing. At their ( XXXX XXXX request I temporarily lifted the Experian freeze via the Experian website and re-applied for the card. Approximately 4 times during 2016 I lifted the freeze temporarily, applied for the card, and was denied. Each time the reason was that the Experian freeze was not lifted. All attempts to call Experian and speak to a person were unsuccessful. Experian seems to be excellent at avoiding direct customer contact by phone. 
XX/XX/2016, I requested Experian to permanently remove the security freeze on my account. The Experian confirmation letter is attached. XX/XX/2016 after receiving confirmation of the freeze removal, we re-applied for the XXXX and were again denied. The denial letter from XXXX is attached. The reason again is that the Experian freeze has not been lifted. Please contact Experian and / or XXXX on my behalf and attempt to resolve this. The problem seems to be with Experian not lifting the freeze.