davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

Experian reports of an account, partial account number XXXX in the name of XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have a passport, birth certificate, social security card and driver 's license which confirms my name as XXXX/XXXX XXXX and has been for XXXX years. 
The account is with XXXX XXXX and claims I owe {$5.00}. This is identity theft and that identity theft has been reported previously to other credit reporting agencies.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (IL)

There were XXXX unauthorized charges on my chase credit card account. I contacted Chase and initially they credited my account while they were doing their investigation. Later after about 2 months they told me that the charges were valid and charged my account. But I have told them over and over the charges were not mine and I never authorized the charges. The person who made the charges has a totally different name, living in a different state! I do n't know the person, I never authorized the person and I have no idea how that person used my Chase account number to subscribe to XXXX! 
Since XXXX XXXX, 2015, I have sent chase XXXX messages ( through their online customer service ) telling them again and again that the charges were not mine and every time they say they are looking at my issue and will get back to me in 2-3 days, but they never do.
Consumer complaint received 2022-10-01
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: FirstCash, Inc. (TN)

I am a consumer who seeks or acquires goods or services for personal, family, or household use. I traded in my items ( property ) in exchange for a purchase money loan pursuant to 16 CFR 433.1 ( d ) at the designated location of XXXX XXXX XXXX, XXXX, TN XXXX. Your employees are charging me a " finance charge every month which is illegal pursuant to 15 USC 1605 ( a ) ; 12 CFR 1026.4 ( a ). The " finance charge '' in connection with any consumer credit transaction shall be determined as the sum of all charges, so why are you charging a finance charge every month when the finance charge is the sum of all charges? I never agreed to waived my rights pursuant to 15 USC 1693l, and 16 CFR 433.2! I want you to waive all charges and allow me the consumer to only pay the finance charge to get my items back before litigation. You can keep all the previous cash payments I submitted in the past which is illegal.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MI)

My credit report from Experian has a wrong address listed on my report. I reported that I am not and have not nor never been associated with the address of XXXX , MI XXXX or XXXX. They sent me a report back with the same address listed on my report but with an additional address that is not associated with me XXXX, MI XXXX. They sent me credit report back with the same addresses that are not mine, still on my report.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I was part of the XXXX glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response. As a result each credit reporting agency has now been alerted that I have new inquiries being reported and it bringing my scores down.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

Due to a recent ( successful ) credit card application, I received a notice that I could get a free credit report within 60 days. The notice gave a phone no. for Experian ( XXXX ) which I called. After answering the prompts on the phone tree, I got a message that said if I did n't have internet access, to stay on the line to get a report mailed to me. I waited and the message cycled through 3 times then said something like, " I 'm sorry you 're having trouble. Pls try again later. Goodbye. '' I called again and this time, pressed " XXXX '' at that same point, which was for people who wanted their free annual report. ( Since I was n't trying to get that, well, I did n't know if it was the same thing or not, I did n't go that direction on my first pass. ) So, from " XXXX '', I got a message that said to go to the website and, eventually, ended the call, similar to the first time. ( One of the options in the phone tree was for those who had received a negative response to a credit application. I did n't go that route because I had received a positive response. ) The bottom line is that Experian says they will mail you a copy of your credit report and that you can order it by phone but then, it does not let you do that. Now, I came over to a relative 's house to use the computer and went to Experian.com, where they list a 2nd number to call ( XXXX ). I did so and got the exact same phone tree and the exact same recordings that led nowhere. It was the same as the first time, I called and pressed " XXXX '' and waited there until they hung up on me, called back and pressed " XXXX '' until they, again, hung up on me. 
Luckily, for me, I have fairly reliable computer access, so it 's not a big deal but what does someone with no access to computers do? Experian 's phone response is all automated, so it 's impossible to actually talk to anyone and ask questions, get help, etc. Experian is not servicing our consumer community as it purports to nor is it servicing us as I understand it is obliged to by law. What do you think?
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX, TX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission This letter is a formal request to correct inaccurate information contained in my Credit file. I have been trying to get access to my credit file have enough trade line on my credit file to have a score I have had several paid for and always paid on time account I show no recourd found I need this corrected 1 EXPERIAN - PULLED ON : XXXX/XXXX/XXXX *** NO RECORD FOUND *** Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately : delete, update, correct ] the item. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit report to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 
If your investigation shows the information to be accurate, I request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (LA)

I have requested in writing over a dozen times for the last year that Experian remove some incorrect addresses from my credit file. I was a victim of identity theft and still disputing some items on my credit file. Experian has ignored most of my request to remove the incorrect addresses on my credit file indicating that they were accurate addresses belonging to me. I also requested that they send me proof of this explanation from their company or the company who reported the incorrect addresses. I still have not received any documentation to prove I resided at or that I am affiliated with the above mentioned addresses.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I sent a formal dispute letter to Experian Credit Reporting Agency. About a account on my credit report that ca n't be verified. This debt was owned by XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After my Personal Financial Coach Investigated the account on my credit report the account was transferred to XXXX XXXX XXXX. After the Investigation with XXXX they could n't find the account either. At this point the account on my credit report can not be found by XXXX XXXX XXXX or XXXX XXXX XXXX. 

After sending the letter to Experian to Investigate the item on my credit report the situation was never resolved properly. They claim that they investigated the item and it belongs to me and how come neither XXXX XXXX XXXX and XXXX XXXX XXXX ca n't find the account to discuss it with my Personal Financial Coach XXXX XXXX. By the Fair Credit Reporting Act, I can have whom I choose to help me with any account that is not reporting correctly on my credit report. I am going to provide audio recording to prove that Experian Credit Reporting Agency never investigated the account. I am providing the letter I sent to Experian Credit Reporting Agency and Tracking Information to prove they sign for my letter. I also, did a Original Creditor Dispute to do my own investigation. I am going to provide that letter I sent to XXXX XXXX XXXX and XXXX XXXX XXXX as well.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CO)

I ca n't pull a free report from Experian without signing up for a XXXX Credit Report * FICO score AND it requires me to check a box to receive offers : Yes, send me important credit information and special offers from XXXX and other Experian companies.If I do not check this box, it will not process my request. I called the Experian customer service, and they suggested I go to XXXX. However, the same check box appears, and if I do n't check that box, *Yes, send me important credit information and special offers from XXXX and other Experian companies, I ca n't download the report. I do n't want to receive special offers and do n't want my email address sold.After calling Experian customer service, I was instructed to call back in a few hours, to XXXX, to request a hard copy to be mailed to me. This is very inconvenient process. Even if I did sign up for the XXXX dollar credit report, I would have to call back within 7 days, cancel my membership, but would continue to get emails from XXXX and other Experian companies.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while XXXX and Experian have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to Experian indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I called Experian who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX to 45 days ( although as of today it has been 48 days ). I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, XXXX and Experian refuses to make this correction within the quoted time of XXXX45 days. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. Please HELP!
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MD)

As of XXXX 2016, my credit scores was XXXX, my debit to credit ratio was reduced, my credit limits were increased, as of today no negative information including inquires were place on my Experian credit report. I applied for a low interest credit cards and was notified my credit scores was lowered to XXXX. 
I attempted to reach out to Experian to obtain explanation and copy of the report, first problem which I have filed several complaint about, is due to the fact I have filed complaints against Experian I am now discriminatorily placed in a special department and only permitted to speak with one representative. If that representative is not available I have to wait days sometimes weeks for a response. 
In addition Experian database was attacked and I am suppose to have free credit protection and access for a set-period of time which I have been denied. 
I placed several calls to Experian to obtain copy of credit report and scores and rational for lowering the credit score to date Experian has refused to provide credit reports, scores. 
Each time I called I have been told I am able to go online to retrieve the report this is not true please find attached a copy of denial of online access from Experian. 
Therefore, I requesting the CFPB investigate the above mentioned discriminatory actions and enact, enforce laws that protect the consumers from this abusive practice.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX is still showing negative information on my credit report which is illegally damaging my credit report. I incurred a hardship back in XX/XX/XXXX and stopped paying my bills on XX/XX/XXXX, I lost my home and was unable to meet my obligation. I lost everything. Because of the 7 year rule this account should have been removed from my credit report last XXXX XXXX. It still shows up on my report. I explained that collection agency contacted me and offered to pay towards the balance. I explained that I was XXXX because of my tour fighting for our country and was unable to pay the bill. The collecting agency said that they would make payments on my behalf. I again explained that I would not pay this bill.
Consumer complaint received 2023-04-12
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 FTC report was sent to Equifax ( see attached ) as they requested, and the inquiries still haven't been removed. See the report. Please remove inquries that were not authorized. 

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/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 XXXXXXXX XXXX XXXX
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (IL)

I am writing in regards to my credit report Inquires. My computer was stolen early last year in XXXX. Ihave been turned down for credit because of the quanity of inquires that are on my credit report, these are inquires that I have no credit with these companys, and never made the inquires. My computer that was stolen had all my information on it and all the passwords.Here is a list creditor first then the date the inquirey was made. 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 XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ... .All of these I do not recognize and did not make make them there are duplicates and triple times put in for XXXX creditor Please delete from my report.
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i joined XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX XXXX XXXX and XXXX. My XXXX started XXXX XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas in XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX and XXXX.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I have XXXX items on my credit report that I had nothing to do with : XXXX, XXXX. 
I only owe XXXX hospital bill from : XXXX XXXX I 've attached my current license and XXXX additional forms of identity verification ( birth certificate, social security card )
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

Recently applied for auto loan for new car. When my credit was ran the report stated that I was 60 days delinquent on my child support to XXXX County and that I have serious delinquencies. None of which was on my credit history when I received a auto loan last year credit score also was effected by there action. When contacted agency stated because of being late with my support payment which was late because of going thru the courts XX/XX/XXXX and XX/XX/2011.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Attempted to get my annual free credit report from Experian online, through the website " XXXX '' ; filled out the necessary information, chose " Experian '' as the agency from which I wanted the report and was provided the message : " We 're Sorry '' and " A condition exists that prevents Experian from being able to accept your request at this time. '' ( " Online Delivery Unavailable. '' ) I repeated the request, without success. 
I also attempted to contact Experian to resolve the problem but was unable to file a request or to speak with anyone at Experian. 
My complaint is that I should be able to access my credit report online, yet Experian is blocking me. 
What can I do to get Experian provide me a copy online of my free annual credit report?
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NJ)

This is a written request that you investigate items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be investigated and then deleted : Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.