davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

there is a XXXX account that is showing on my credit along with he address of XXXX XXXX XXXX XXXX, ct XXXX, As well as a XXXX CT Gas bill with a balance of {$800.00} thats reporting late that are not all mine. This item has been disputed with experian several times. asking for proof into this matter and this account being mine. Also for the account to be deleted and they refuse to delete as well as provide any proof on these accounts that they are reporting on my credit. these accounts are damaging my credit & I 'm currently wanting to purchase a home.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Just initiated a credit report from Experian and found a residential address not belong to me. XXXX made credit inquiries on me on XXXX/XXXX/2016 the same day someone created an Social Security Administration online account and used my personal information.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MD)

Here 's my experiance : About two weeks ago, I logged on to Experian, put in my sensitive personal information, and was given the choice of spending about {$30.00} to get ALL XXXX credit reports, or spend NOTHING, and just get the Experian report. OR ( and this is what I did ), I could pay a BUCK ( {$1.00} ) and also get my FICO score, which one does not normally get with the free report. 

So that 's what I did. Except, in tiny letters, it says, " Includes 7-day trial membership ... '' It does n't say that there 's a COST associated with it. Just that you 're automatically enrolled. And there 's no way to opt out before paying that {$1.00}. 

But there IS a cost associated with it. It 's {$19.00}. However, I just found out that cost 2 WEEKS after I thought I had gotten my credit report and FICO score from them. It finally showed up on my on-line bank statement a day or two ago. By the way, when I got the " Welcome to the club! '' email from Experian, it still said NOTHING about the cost, or that it was a recurring monthly cost. 

So I called Experian 's customer support. Experian says you can cancel. So I did. We shall see if that " takes. '' I give them a XXXX/XXXX chance. 

They also say that you can be refunded your " prorated amount when you cancel. '' That has turned out to be a lie, since they repeatedly refused to refund me ANYTHING. 

But I never agreed to $ XXXX/MONTH, and there was no " Opt Out '' feature when I thought I was paying {$1.00} for the FICO score XXXX Therefore, I demanded full reimbursement. They refused. 

What I wound up doing is calling my bank, and disputing the charge. Also, contacting Experian 's billing department to demand full reimbursement. 

And I figured YOU guys might be interested, since ( from a XXXX article ) : '' In XXXX 2005, Experian accepted a settlement with the Federal Trade Commission ( FTC ) over charges that Experian had violated a previous settlement with the FTC. The FTC 's allegations concerned customers who signed up for the " free credit report '' at Experian 's Consumerinfo.com site. The FTC alleged that ads for the " free credit report '' did not adequately disclose that Experian would automatically enroll customers in Experian 's {$79.00} credit-monitoring program. " Thank you for your time.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MO)

This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I contacted Experian and they stated that it could not be disputed and that XXXX would have to notify them to remove the inquiry. However, XXXX stated they have no record of making the inquiry and I would have to send a written letter to them with detailed info to have them remove the inquiry. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial records?
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I requested all XXXX reports. I got through the XXXX process just fine. Got that report okay. 
But the " Get your next report '' button on the annual report webpage does not respond. So there is no way to continue on to the next XXXX reports that I requested. So I went back into the request process, and now Experian says that " Our records indicate that you have already received your free annual credit report from Experian. '' I have not received anything from either Experian nor XXXX yet. 
How can I get them now? The Experian " Contact '' page does not work. It lets you enter comments and then it displays an error message and tell you to re-enter the contact info. So there 's no way to get someone at Experian to even know there 's a problem. This is really frustrating.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (WI)

Please forward this to Experian for me. If you refuse to remove false and outdated information from my report. I am requesting a full report on investigation process. Who was contacted/phone numbers/and all information that was used to make this conclusion. They Must Prove that the information on my report is in fact correct.. Beyond any doubt. If they can not prove this..It must be removed! I want all records of how they went about verifying this information. Then I will proceed with any legal actions I have available to me. I 'll be waiting this full report. I am available for them to contact at any time they wish.
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (AL)

Enhanced recovery placed a new collection account on my credit report. The original account was settled thrust XXXX on XXXX. XXXX telephone number is XXXX address XXXX XXXX XXXX XXXX Nebraska XXXX. Per my credit report the file states closed and paid with a, XXXX balance
Consumer complaint received 2015-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

Credit account in collection. I have asked collection company for any information regarding the legitimacy of the account. Over 3 months have passed with no response, and they refuse to remove the item from my credit report. 
All of my accounts with the original creditor are current and in good standing.
Consumer complaint received 2016-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OR)

I attended school XXXX last year to finish up prerequisite courses for XXXX school, which I am currently in the application process for. During such time, my federal student loans were in a deferral status through American Education Services, which is supposed to carry over for 6 months after finishing school. School ended XX/XX/XXXX, so no payment should be expected until XX/XX/XXXX. However, AES is claiming that the payment was due in XX/XX/XXXX ( 4 months instead of XXXX ) and that the loan is now past due. Their letters specifically stated that the grace period would be over in XX/XX/XXXX. As I am currently searching for work while applying for graduate school, I am unable to pay the amount they currently demand. As previous dealings with this company have solved nothing in the past, I am taking this complaint the the Bureau of Consumer Finance to avoid the major headaches they otherwise would cause.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MO)

Upon reviewing my credit report, I noticed a couple of debts from ERC. In an effort to quickly remove these items off of my credit report, as I have been working diligently on increasing my credit score this year, I notified ERC in writing that the debt had not been validated. However, in an agreement to get this off of my report expeditiously, I would pay the indicated amount of $ XXXX/collection to have these XXXX collections removed from all reporting agencies ( XXXX, XXXX and XXXX ). I clearly spelled this out in the contract, that if ERC cashed the checks, see both check numbers XXXX and XXXX and accompanying letters sent to ERC, this signified agreement of the contract and that within 15 calendar days, the collections would be removed/deleted from all reporting agencies and that this would be considered closed ( see contract for further details ). ERC cashed both checks, signifying their agreement with the contract, but failed to delete both collections from all XXXX credit bureaus.
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ERC (TX)

Hi XXXX, Just an FYI. They called the office to ask for information to send a garnishment order for your salary. If you want to talk to the agency that called their phone number is XXXX your reference # XXXX. 

Regards,
Consumer complaint received 2016-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (FL)

This item was previously disputed by CFPB ... 
XXXX removed the collection charge of {$260.00} from my XXXX credit report. However, now Enhanced Recovery placed a collection charge on behalf of XXXX for {$260.00}. This item is not a viable item because I returned my device and paid the account in full and provide documentation on the previous complaint # XXXX
Consumer complaint received 2015-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (VA)

There is a collection ENHANCEDRE company that claims I owe a past due debt to XXXX however this was reported by another company XXXX of which removed it from my credit report with XXXX on XXXX XXXX 2015. ENHANCEDRE does n't have any contact information on XXXX.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MO)

XXXX XXXX XXXX, sent my debt to collections. I did owe this money and paid it on XXXX XXXX, 2015 in the amount of {$950.00}. Debt was paid to directly to XXXX XXXX XXXX. Tracking # received from XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX several times and they have not notified the Collection Agency to remove this from Credit Report. I have also contacted the Collection Agency, Address and Phone # below and they also have not taken action to clear this up on my Credit Report. Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX XXXX, Phone # XXXX.
Consumer complaint received 2022-08-04
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. (IL)

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$280.00}
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

Have been disputing issues with Equifax in reference to my case and credit reporting errors since I have been a victim of fraud. It seems that they still have erroneous credit inquiries and debt accounts on my credit report. I requested an accurate copy of my credit report and Equifax states in a document on XXXX/XXXX/2016, t that my credit history is stored in different files. I want to have it to where I have XXXX credit file, with accurate credit reporting and I would like for them to remove the fraudulent credit inquiries on my credit file. I am in the process of beginning the journey of purchasing a home for myself and my XXXX children, and with inaccurate reporting it will be difficult for me to gain a home with a reasonable rate if they are inaccurating reporting my information in their system.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I have been contacting Equifax since XXXX XXXX, 2016 to have a credit inquiry deleted. XXXX XXXX and myself have contacted Equifax numerous times to have the inquiry deleted. Equifax refuses to delete the inquiry despite having received all of the necessary paper work and electronic requests. It has been more than 30 days and I also have not received a response to Equifax regarding my first intial request for deletion.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SC)

Items attached : Equifax sent a response, but it was ignorant, to the situation, because I already knew it was paid off. I wrote th check. My complaint is that the bank charged off an account that they kept receiving money on through the whole process. That That is against South Carolina state law, because that is considered a willingness to negotiate contract.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I mailed and faxed a complaint to Equifax back on XXXX XXXX, 2015. I have yet to receive a response and have provided them with proof that the company that I 'm disputing is no longer in business. I would like the account in question removed from my credit due to FCRA violation of not investigating within a timely manner and the fact that the account is unverifiable.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OH)

I have the final payment amount for my 30 yr mortgage and the lien holder is demanding that I pay this amount via XXXX money order to a special account. Otherwise they will charge daily interest on any amount not received by the normal mortgage payment date. 
I do not understand how they can change the rules on the final amount rather than accept the payment via routine authorized account withdraw as we have for the duration of the loan. This sounds like a trap to squeeze more money out of us. This loan was sold to Seterus who have hounded us ever since. 
Resolution requested is to have them accept the final payment via the routine account withdraw.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

The credit angency of Equifax refuses to remove a Louisiana tax lien incorrectly placed on my credit report filed XXXX incorrectly by the state of Louisiana for a buisness i never owned or operated located at XXXX XXXX XXXX XXXX, XXXX XXXX, La XXXX named XXXX. Any state or Federal tax filings have shown i have never owned or operated any type of business ever, i have spoken with the state numerous times concerning this matter which was handled by a La, department of revenue agent named XXXX XXXX direct telephone # ( XXXX ) who to me numerous times also stated that should not be on my credit file and has sent request to equifax to remove it more than XXXX.This has been going on for quite some time. The record filed at XXXX District Court case number XXXX has been nullified for quite some time. I dont know why Equifax insist upon putting me thru the unfair practice of not removing this lien off of my report for years now as well XXXX unauthorized credit inquiries, i understand that Equifax is a giant corp. that makes a profit off reporting credit info on consumers but this is so unfair to me for them to not do whats right and remove the information.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I disputed the 'date of first delinquency ' with Equifax . They completed their investigation but did not address the issue I disputed ( they responded stating that the balance, close date and date of last activity was correct when I specifically disputed the DATE of FIRST DELINQUENCY ). I called the creditor to confirm the correct date and re-disputed with Equifax ( XXXX ) and provided all the contact information of the person that I spoke to at the creditor. They have already completed the investigation and did still did not address the issue that I have disputed. I am including copies of the letters that I have sent them during the dispute process. Equifax failed to properly investigate this information and is continuing to report inaccurate information on my credit report.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I was buying a car. The car was totaled by a natural disaster. I had full coverage and GAP insurance. the company reported a balance on my credit. I contacted XXXX, Experian and XXXX. All except Experian refuses to remove it. I have the supporting documentation saying XXXX and XXXX removed this from my credit
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I requested a " free '' credit report from a website recommended by my attorney for legal proceedings. I was never warned as I proceeded through the site to obtain my free report that this action would result in an unwanted " membership '' with Experian. Experian has been charging me {$19.00} a month for " credit monitoring '' to the credit card that I used to " verify '' my identity when I ordered the original " free '' report. Experian has agreed to cancel the membership but refuse to reverse the previous charges. 

It is evident that the free credit report website redirected me to Experian and somewhere in the background I unknowingly agreed to the membership. Most likely, this membership agreement was buried in the " terms of use ''. I am so angry because this is a company that is suppose to " protect consumers '' but are actually " stealing people 's money ''. Please do something about this.