davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

I have XXXX duplicate negative accounts on my credit report ( so, XXXX negative marks on my credit report. The original creditor and the collection agency that bought the debt ( XXXX XXXX XXXX ). The account numbers are the same for the original creditor and the collector. 
More importantly, XXXX XXXX added both the accounts to negative collections in my credit report, despite the fact that they have been paid in full.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They indicated that it was verified by US Bankruptcy Court KY XXXX so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining this information. They are boldly reporting false information and reporting their false investigation methods.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NM)

On recently changing my auto insurance policy from XXXX to XXXX, I was advised by my insurance company ( XXXX ) of an adverse affect on my premium from my credit report provided to them by Experian. Because of the adverse effect, I was entitled to a free copy of my report from Experian. I first tried to obtain this report through Experian 's Website. I was told that it could not be processed at that time and that I should try again later. I tried later and received a message that it could not be processed and that I should call their telephone number. I called their telephone number and received a series of prompts, none of which covered my problem or allowed me to speak to a person. The only prompt, close to my problem, was to purchase a copy of the report. Without a copy of the credit report, I can not contest whatever caused this adverse report. I feel Experian 's telephone center has been set up to exclude people from talking directly to an Experian representative.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I have reported 3 times to each credit bureau about fraudulent accounts on my credit report and provided sufficient documentation such as name social security number etc. Still the creditors and credit bureaus will not take these accounts off my credit report at all some of these accounts were under a different social security number but was still attached to my name. Still after calling the bureaus and creditors they still refuse to take them off my credit report. Social security number ending in XXXX is not mines number my number ends in XXXX but are still falling under mine name and I have not applied for credit with any of these companies.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (IL)

Apparently I signed up for a 1 week trial when I viewed my credit report in XXXX. I apparently forgot to cancel the service. Some 3 months later, Experian wants to charge me for the service even though I did not use it and signed up for it 3 months ago. The representative refused to refund the charge when it is apparent I have never used the service.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

i am a XXXX on pension vet..i had XXXX every week that XXXX out sourced by the va ... my XXXX was sent to a local hospital by the outsourced nurse..the va paid the nurse but the nurse did not pay the hospital for XXXX done..the hospital billed me as the patient..i was told by the va to have all bills resubmitted for payment..the hospital said the va paid the bill already so instead of billing the people that submitted the XXXX they put it on my credit as a collection..i had the billed paid in full but its on my credit as if its my fault ... said it would remain on me to let others know ive had problems in hte past..its not my bill..please help..i am almost to the point of filing bankruptcy cause of it.the va paid once and the XXXX XXXX people did not pay the hospital..i hope u can understand my problem ..im not to good at explaining myself being im XXXX years old now..as i said please help
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized 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 have requested 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 immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

We bought XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX in XXXX XXXX. In XXXX of XXXX we had a major flood. We were not in a flood zone.Had over XXXX ft. Of water in our home and had to get taken out by boat. Town said it was a once in a lifetime event. Due to having no flood insurance ( not required, not in flood zone ) we had to drain my retirement over {$30000.00}, took out home equity line, and got loan through FEMA for {$51000.00} for repairs. We were then required to get flood insurance to receive this loan. For the next 4 years there were no problems. So we now believed this was indeed a freak thing, and we decided to expand and improve our home thinking that this was going to be our long term residence. We added a master bedroom, updated kitchen, new deck which we began work on in XXXX, XXXX and was completed in XXXX XXXX. In XXXX of XXXX we got hit with another devasting flood and 2weeks later were again hit with major flooding. Due to this hard ship we tried to remodify our loan. We were put into a trial basis in which our monthly payment was lowered and which we continuosly payed ontime.we had sent in paperwork after paperwork which had been lost or was needed again after again for a different case worker. We decided we were going to sell our home through a short sale. We had origanaly purchased the home for {$420000.00} and put down {$100000.00}. But with the new loans that we took out and with the issues of flooding we owed around XXXX to the banks.The bank set a price of {$240000.00} as the short sale price. There was an open house and there were offers from XXXX people! But the bank now decided to up the price to {$300000.00} after we got all those offers. It was then found out that our lender Citi mortgage was XXXX on the title and citizens bank was XXXX. They could not resolve this issue and we had to go back and forth to court for over a year. Due to all of this. The short sale which should of been resolved in XXXX was not resolved to almost three years later in XXXX. We had never missed any type of mortgage payment. But when we decided to to short sale the home, we were told by Citi mortgage we could not make any payments if we wanted to short sale the house so we felt we had no choice. Also when we decided to short sale we did not know how long the process would take and we were also not comfortable living in the home with our kids worrying about flooding so we rented another home In XXXX XXXX to the presence. We feel that all this time lost due to no fault of our own has prevented us from purchasing another home. We have contacted Citi Mortgage numerous times to ask them to remove the short sale from our credit reports without any response! We have never missed any type of payment except that which Citi would not take. Our credit is prefect except for the short sale.We can not find rental housing in our own community and have been commuting our daughter to school. We truly hope that you can help with this situation. 




G
Consumer complaint received 2015-08-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACCESS GROUP INC. (DC)

Hi, Years ago I had financial difficulties arising from unemployment and surgical bills. During that time most of my student loans went into default or deferment. I am now on my feet and have resolved all my old issues. All of my student loans are current, except my private student loans for XXXX XXXX XXXX through Access Group ( held by XXXX. ) These are in collections in the amount of $ 40,000+. I have been paying XXXX every month for years, but the amount is still high and wo n't be paid off for a decade. This leaves me with horrible credit ( It would be almost perfect without these collections as I pay everything on time now that I am working. ) I ca n't get a mortgage for a house and my interest rates are high based on my credit score even though I have perfect credit card payment history. I have been trying to resolve this with both XXXX and Access Group for over a year, but they will not help me rehabilitate or discuss anyway to get this removed from collections besides paying off the amount ( at 50 % charge off discount. ) I would immediately get a personal loan for XXXX to pay it off, but with the collections on my credit report I ca n't even do that. I called the XXXX XXXX department of Access Group again today pleading with them to help me resolve this in some way - I have no issue paying my debt, but having this in collections is affecting every aspect of my life - I almost did n't get the job I have now because of them. I was hoping CFPB may have dealt with this lender/collection agency before on this issues and that there was some way to help debtors in this situation. I realize they are private, but they are servicing student loans, so I would have thought they would be more amenable to people who were trying to do the right thing. Any help or information CFPB provides would be greatly appreciated. I had a complaint about 3 years ago that CFPB helped resolve so I know what a great help your agency can be. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-06-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (MA)

i took out a loan for XXXX dollars and was charged an interest rate of 135 % which is not legal i have been over paying for years XXXX traded their company to cash call and about two months ago i saw that they stopped taking the money from me and did the research and saw i was owed my money back i 'm not looking for any lawsuits if i am payed my money back
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NorthStar Technologies (TX)

I submited a Verification of Debt letter to all parties, XXXX and Equinox ( The Collection Agency ) that I do not owe XXXX or Equinox an alleged debt of {$9300.00} being reported ascac Charge Off Collection of a house that I legally and properly evacuated. In addition, I gave the XXXX XXXX XXXX a XXXX evacuation notice. 
The property management and I had worked out a payment schedule for the last month of rent that I owed, to be paid in {$100.00} installments until the debt was paid off. 
On the second month of me sending my payment, the XXXX returned by payment, unopened and send me strait to collections. 
I still have the original returned envelope and the money order ( See attached ) The Collection agency increased my debt from {$1400.00} to {$9300.00} and refuses to listen to me and take the collection of my credit report. 

Please help me. These companies have ruined my life! 

Thanks, XXXX
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute with Experian regarding information on my credit report that they were reporting that was very concerning to me on XXXX XXXX, 2015. Experian responded to my dispute stating that they believed they had received a suspicious request and would not be investigating the information I was disputing. I sent Experian another dispute on XXXX XXXX, 2015 via fax as I received their fax number from a representative over the phone and also sent them a copy of their response and all of the documents they needed to update my credit file. They have not responded and it has been over 45 days since my dispute was submitted to their company.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I called Experian today XXXX/XXXX/2016 at around XXXX and was on hold till about XXXX an agent picked up in the fraud handling department by the name of XXXX XXXX state he team was XXXX or XXXX. I stated to the rep that the XXXX major credit bureaus have removed the account diversified consultant. The XXXX major credit bureaus where XXXX and XXXX I also have supporting documentation in writing stated that the account has been removed also via email. I have provide the same documentation to all XXXX major credit bureaus on my detectives behalf XXXX XXXX and also been approved and am a victim of Identity theft. I asked the rep how can XXXX bureaus take this account off my credit but you guys say it still remains. according to the other XXXX bureaus being that I have filed the policy report and it has been approved with heavily documented information the account ha been removed. This agent XXXX XXXX stated all XXXX bureaus operated differently in which I know it is all built on the same foundation just a few tweaks of course. she than tells me its basically nothing she can do so I asked nicely if you cant help please put me on the line with someone who can. she stated she will not because I keep interrupting her when I stated I am the customer before I argue with you id like a supervisor. She than states I will not transfer you until I can say what I need to say. I stated I do n't want to hear what you have to say anymore transfer me now and do your job. At this time she is still refusing and I stated I will not answer any questions form you. She says so your refusing information now?? that was very unprofessional I said to myself. I than just became silent so she placed me on hold and said ill get a supervisor I waited maybe 4 minutes on hold and she hung up in my face I called back within seconds and than Experian is closed that was so rude. Is this what Experian train their representatives to be like. I 've been very stressed it should n't be this hard taken off an account that clearly the creditor stated they can not provide documentation to me or my detective because they do n't have it the account was opened online they say. They just have my name and social Clearly I 'm a victim of identity theft that information has been compromised. I do n't know what tricks Experian is playing but how can they remove an auto loan that was XXXX dollars but cant take off a XXXX account that is XXXX dollars with the same supported documentation. Something is not right I feel they are trying to work together this has to stop.! the creditor admitted its not me and so have my police report that 's heavily documented.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (TX)

I just recently noticed a charge on my bank account from XXXX for {$29.00}, and also from Experian ( XXXX ) for {$24.00}. I called my bank was given a phone number to XXXX XXXX and to Experian XXXX. I first called XXXX and they could not find anything on their system with my name, address, phone number, last XXXX digits of my debit card or e-mail. I was advised by " XXXX '' to go to my bank and file a dispute report. I went to my bank and then also notice the charge from Experian, so I filed a report against both agencies they destroyed my debit card and I was issued another one. I have been charged {$29.00} and {$24.00} since XXXX 2014. I then called Experian but again just like XXXX they too could not find anything not even with my social security number. I was asked for the debit card number to be able to pull up the account. I called my bank obtained the number called Experian and that debit card number is tied into a person by the name of " XXXX XXXX ''. I was then advised to go to my bank I informed them I already have but my bank will reimburse me for the last 2 months only. I was told by XXXX from Experian that they could not refund any amount. I told XXXX that their company is supposed to protect us from people like " XXXX XXXX '' and from companies like " Experian ''. I recalled enrolling to a travel agency company around that time giving my debit card number being charged {$1.00} for the first month and would need to cancel account so that I would not be charge on a monthly basis. I knew that I had enrolled with this travel agency so I cancelled my subscription but with these XXXX credit agencies I was initially charged the {$1.00} and they continued charging my account because I never cancelled my subscription. I never cancelled because I did n't know that I was enrolled with these agencies I never received any correspondence, e-mails or phone calls, and I would n't have received anything from them because they had none of my personal information other than my debit card number which I still do n't know how they obtained.
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX, 2015, I filed a dispute with Experian credit reporting agency by U.S mail. It 's been sixteen days and I have not gotten any notice from them that they have open an investigation on the dispute items on my credit report. When I tried to file a dispute, from their web site I get a message you are block from getting a copy of your report and not allowed to file a dispute from our web site. This has been a continue problem when I try to get my credit report for over a year. I would greatly appreciate it very much if someone from your agency open an investigation into the conduct of this company.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NV)

Since XX/XX/XXXX I 've sent disputes to Experian informing them of inaccurate personal information on my credit report. I 've included copies of my documents as required. There are XXXX inaccurate personal information that needs to be removed from my report ; that 's XXXX inaccurate names and XXXX inaccurate addresses. See enclosed copies of my documents : Passport, social, utility bill and previous copy of dispute mailed to Experian on XX/XX/XXXX They were in receipt of my last dispute over XXXX days ago and nothing was processed!
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, 2012 a charge of {$3600.00} was fraudulently posted to my new XXXX XXXX XXXX credit card # XXXX, by XXXX XXXX, without my agreement. Beginning when I received the statement, I immediately and continually disputed this charge with XXXX XXXX XXXX then with the credit reporting agencies. XXXX asked XXXX for proof that the charge was valid. XXXX provide no proof I had agreed to the charge and refused to reverse the charge. XXXX then refused to reverse the charge because XXXX XXXX refused to reverse the charge and reported it to the credit bureau as a valid charge that they had to write off after I refused to pay it. When I disputed this reporting to XXXX and the Credit bureau, they refused to reverse this negative on my otherwise perfect credit report. This has cause me damaged. 

Attached are documents supporting the above.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

XXXX And Expirian  they reporting XXXX credit inquires on my credit file i only apply one time to XXXX on  XX/XX/XXXX, 2015 since then i never apply for anything.
i contact XXXX credit bureau's  in writing on the phone and fax they told me to contact the original creditor which i did but they never responded to my letters or phone calls they always telling me they will look into it after trying everything that i can but no one want to help me those inquires belong to someone with the same name or mix into my file please try to help me with it
Consumer complaint received 2017-04-28
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. (GA)

the bankruptcy on file has been  discharged  but they wo n't verify it keep telling me they verified through a third party but has no information on status refuses to verifie it through the court
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MO)

I requested copies of any documents in their files from national account system. After filing a dispute with the bureaus I received a letter saying they verified the debt and updated my file. I then send a letter asking for them to send any documents in their files that They used to verify the accuracy of the account I 'm dispute according to the law. I have that right to request. I also demanded that the account be properly verified or removed. They never verified or send the requested information that I send certified with their signature. So I send a letter to credit bureaus and the original creditors XXXX send a document of last activity XX/XX/XXXX-XX/XX/XXXX. They re aged my account and is still reporting.