davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

After reviewing my Experian credit report I was very concerned to realize that I had XXXX negative listed that are all medical from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Experian. I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Experian and XXXX XXXX multiple times. I do n't know how Experian Or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Experian the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
XXXX XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor XXXX
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

No matter what is asked for them they still share and allow access to my credit report to whom ever pays them or in the case whom ever they pay a data minor that is not checking with the court because they court will not verify anything let alone a fed tax lien XXXX XXXX this tax was released Per the recorder of deeds BK XXXX so why is it that they fill the need to use the wrong information from the start
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MA)

EXPERIAN HAS NOT PROPERLY REQUESTED PROPER DOCUMENTATION WHICH PROVES XXXX IS RE-AGING XXXX DEBT/CREDIT TRADE LINES IN VIOLATION OF FCRA GUIDELINES AND FTC MANDATES : PLEASE READ MY COMPLAINT AS FOLLOWS : I XXXX XXXX am filing a complaint against my former mortgage servicer. The original servicer has long been eliminated from my credit report, simply because my first late payments were registered in fiscal year XXXX. XXXX XXXX took over servicing in XXXX, and they have cut off over five ( 5 ) years of my payment history simply to re-age the debts, and these debts have been satisfied in full. The seven year applies as mandated by federal guidelines, both under Federal Trade Commission federal lawsuit decisions and by the Fair Credit Reporting Act. The original servicer was XXXX XXXX XXXX, long out of business. XXXX is simply re-aging a debt ( s ) trade lines they have no legal right to. In general, XXXX of these accounts need to be deleted permanently and that my file information be purged with prejudice.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XXXX5.XXXX closed XX/XX/XXXX showing past due XX/XX/XXXX6.XXXX closed XX/XX/XXXX showing past XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

The XXXX XXXX XXXX account was paid as agreed and has a zero balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AL)

I 've attempted to retrieve my Experian free annual report and the system indicates that I can not get a report. I do not understand why. I have not yet gotten a free annual disclosure and furthermore I am actually an Experian customer. I subscribe to their FICO score and report product, but this product does not show the full report with items such as soft inquiries. I wish to receive an online copy of my full report.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts with various creditors. I am a victim of identity theft. I have been receiving harassing, threatening telephone calls and death threats. The following unauthorized and fraudulent accounts accounts do not belong to me : Lend Up, XXXX, XXXX. The following unauthorized and fraudulent inquiries do not belong to me : XXXX, XXXX, XXXX, XXXX., XXXX, XXXX
Consumer complaint received 2017-02-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK (MA)

This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a discover card at one time many years ago. The Discover company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This XXXX " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called CASH. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the XXXX " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am XXXX and this has threatened my employment and standing in the XXXX. Since they have been playing games with the same XXXX. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my Attorney XXXX XXXX in XXXX, MA.
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (MD)

I called the XXXXEquifax after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last January 20, 2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance : {$1300.00} this late payment will be removed.
Consumer complaint received 2015-06-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (GA)

I purchased a car in XXXX and had it financed threw nuvell. I paid on time until I got separated from my ex and he agreed to make my car payment instead of child support. He paid for XXXX months and in XXXX XXXX I came out and saw my car was gone. I called XXXX and they told me my car was under repo since it had not been paid on in months and it was just not in there system as picked up yet. I found on my credit that XXXX put the entire {$12000.00} loan as a charge off instead of a repo. I have tried for years to get this fixed and they will not do anything about the account. They also report a payment was made on XXXX/XXXX/XXXX but there was n't. They took the car XXXX/XXXX/XXXX. That would be XXXX months after it was taken. I paid {$15000.00} on the car when it was purchsed at {$12000.00}. I didnt still owe the {$12000.00}. They sold the car and will not post it as a repo and just put the amount I have supposedly left.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I have disputed XXXX - XXXX directly with XXXX three times, filed a complaint against them with the XXXX, the CFPB and the Attorney General in Texas. I am irate because they have not responded to any of my complaints via phone call, email or mail. How can they do that? 

This account needs to be deleted on my credit report before I hire an FCRA attorney to file a lawsuit against XXXX.
Consumer complaint received 2016-02-05
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Pacific Home Loans, Inc (MD)

I was working with a XXXX XXXX to refinance my loan using VA XXXX with Pacific Home Loans. I signed paperwork but in the end I decided that the loan was n't conducive to my needs and asked to cancel it. The XXXX XXXX told me that I would have to pay a {$500.00} fee to cancel. I corrected him and told him by law that I had three ( 3 ) days to cancel the loan and since he did n't provide rescission documents I actually had three ( 3 ) years to rescind. He asked me to send him an email and I told him that I sent a certified letter to cancel. I 've checked and the loan paperwork is still active.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (IL)

I signed up with XXXX to get a free credit score report. It made me go through many prompts and enter my information and charged me a {$1.00} starting there would be no additional fees without my permission. Since then, I repeatedly get money taken out of my bank account automatically for Experian. I never agreed to any services with Experian nor did I request credit monitoring or help.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankruptcie s ( below ) on my credit report due to Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Equifax  Information Service , LLC, I di d not know the source of their information on those judgments and bankruptcies and due to this, Equifax ha s violated the Fair Cred it Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy  Ref.  #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

An inquiry was made on my credit earlier today from a XXXX Customer Service on Experian. I am an XXXX and have been driving all day from XXXX to XXXX. There was no way whatsoever while I was driving did I authorize any company or organization to place an inquiry on my credit. I have proof from my XXXX that I have been driving all day long and there is no possible way on this earth I would have spoke to anyone or signed anything while driving. I called Experien and they are rude and could care less that I have the proof of XXXX. Therefore I am reporting Experian to the CFPB to investigate this potential identify fraud ; in which Experian is not following the laws.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

This specific XXXX Account # XXXX ( Credit limit of {$2600.00} ) Should be deleted from my entire credit profile. XXXX has requested the deletion but the Credit Bureaus have been dragging their feet with getting it deleted and this is slowing up my New Home/ Mortgage loan approval. Please have it deleted so i can move my family into our new home. Thank you in advance!
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2016 my husband 's car was stolen out of our driveway, my car was broken into and my Chase Bank debit card was stolen from my car. That same night, someone used my debit card to buy {$1200.00} worth of items from the XXXX XXXX # XXXX in XXXX, Florida. There were XXXX other attempted charges on my debit card that night, all of which were rejected and which I told the bank were fraudulent. Chase says they investigated the {$1200.00} transaction and determined it to not be fraudulent. They refuse to refund my money, which was debited out of my account. I have opened a police report with the XXXX. pertaining to the stolen vehicle and the stolen debit card. The original report is attached. ( The debit card transactions are not on the original report, as we did not know the debit card was missing until the following day. The debit card transactions have been added to the police report file ). Corporal XXXX has visited the XXXX where the fraud took place and watched the store security video from the time my debit card was used. The person using my debit card on the video was a XXXX male. I am a white female. XXXX has not released the video yet, but XXXX is willing to testify as to what he saw on the video. I have notified Chase about this twice over the phone but they still refuse to refund my money.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

Due to my XXXX not correctly applying two payments to XXXX in the amount of XXXX and XXXX ( which have yet to be found ) my credit score has dropped significantly. XXXX sent the funds to XXXX which does not own the card any more. XXXX ca n't find the funds as well.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TN)

I filed for bankruptcy in Feb.XXXXbecause of a divorce, received moneyfrom divorce in XX/XX/XXXX, I paid all bills I filed filed on and withdrew the BKBankruptcy.Today is XXXX and still have not been able to get this taken offtaken off my credit report. It is showing a dismissal, I did not go throughwith this yet it is still on my credit report. I have been denied a Home loana small poersonal loan, a credit card, an apartment. and even had to payhigher prices for utilities to be turned on. I am a senior citizen living on afixed income, I feel i have been treated un fairlly because of this BK. It is effecting my credit score XXXX points. I try very hard to keep my creditscore up.
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (GA)

When I looked up my credit report I seen XXXX installment loans. I 've never taken out any loans. Also I 've sent in a complaint to you recently and just seen you we 're trying to contact me. I 'm very sorry and promise to keep very close attention to your reply. I take this very seriously, and I do n't want you to think I do n't value your time.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Equifax keeps verifying a bankruptcy but the courts are advisnig me they are not giving Equifax any information so I want to know how it is being verified and I simply do not want them to open another dispute to say it is verified again! 
I am super disturbed that only Equifax continues to list the dismissed bankruptcies as confirmed within my credit file. Although it is their 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, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you Equifax 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, In advance I would appreciate your their within 14 calendar days from receipt of this correspondence.
Consumer complaint received 2016-10-03
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MD)

ACE Cash is saying I owe them money for a loan I do n't remember getting, and wo n't give me any paper work and date this happen.They are saying they will file a judgement with the court on XXXX XXXX. What should I do.
Consumer complaint received 2016-01-19
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe (MS)

I received a letter from Conserve a collection agency that informed me that they were collecting on an account transferred to them for collection from XXXX College. I had already spoken to the school on numerous occasions and they agreed they would not send the account to collection that we had already negotiated with the school in which they advised me that if I paid on it they would not put it into collection as of today without any notification from XXXX College they sent the account to a collection agency. They have been changing people for the position and a new person is now in charge the new person advised they spoke to the old representative and would not send the account to collection. I called and they said they would inform the new person that the account would not go into collection. It was agreed that they would work with me and let me pay my account but I never received any letter nor notification that they were going to send this account to the collection dept no call nor even an email nor a letter in the mail to advise that this account was going in collection for the past few months i have never received any notification from this school and now i have been forwarded to a collection after they verbally agreed to work with me have been receiving payment for this account and have been changing staff where no one is aware of the verbal agreement for some reason. Over the past couple of months i have never received a letter nor statement from the school regarding this debt. I trusted the staff and hoped they had my best interest at heart for i sincerely have been trying to pay this debt as agreed even though i am not making lots of money i never tried to skip out on my obligation to pay the school and sincerely thought they would keep their agreement and work with me during this difficult time of not having stable income but trying to pay them.