davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

I retired from the XXXX. Postal Service and received XXXX pensions. The problem I ran into is I could not set up my online Social Security Account. I called Social Security and they investigated and found out because they use Experian data base to match addresses up to match me is why I could not sign in. My address with Social Security on file is XXXX. They told me to contact Experian to add my XXXX address to my profile. I contacted Experian and explained to them I need my XXXX address to be added to my credit report so I can go on line to set up my Social Security account. They said they can not add a XXXX address to my profile. I asked them why and they could not give me an answer. Social Security said I should not have a problem adding my XXXX address to my credit report. This is my address Social Security has on file ; PH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I lived part time in XXXX and XXXX. Please help me with this situation ... Thank You!
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX XXXX XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, Experian, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-XXXX XX/XX/XXXX/14-all XXXX XX/XX/XXXX/14XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

I just got a credit report from all XXXX credit reportsXXXX, experian and XXXX and my credit score went from XXXX to XXXX, all XXXX companies are telling me is because i was late on XXXX mortgage payment past 30 days with XXXX, which is inaccurate, i have never missed a payment, with my current mortgage or past ones, they also telling me i have XXXX credit cards, i do not believe i have applied for that many credit cards, that is not accurate i only have XXXX personal loan XXXX credit cards and XXXX mortgage, i dont know where they getting XXXX cards from. All XXXX credit bureaus are telling i have made a lot of hard inquiries, which i have not. Can you please investigate this matter, i have work with the XXXX for 13 years and i 'm also a veteran and i work very hard to get my credit up that high to XXXX.
Consumer complaint received 2016-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: URS Holding, LLC (FL)

I live in Florida, and I am currently under garnishment to XXXX. Over 12 years ago, after a spotty payment record, I contacted them to set up a payment plan. They said if I paid {$150.00} a month for one year on time, then my loan would come off my credit report and I would be in good standing. 

However, at the end of the year and XXXX on-time payments, they then said they I had to pay {$400.00} a month! I told them I could not pay that amount, and they said if I did n't, they would garnish my wages. I later found out they were supposed to negotiate an affordable payment in good faith, but they never did. The garnishment was initially 10 % of my salary, which was about {$300.00}, so I figured I would let them garnish my wages & it would get paid off. However, the garnishment was later upped to almost {$400.00} as a new Florida law allowed them to college up to 15 %. I have been paying between $ XXXX {$400.00} a month for over 12 years. 

At the time of the garnishment, I owed {$31000.00}. I have been paying for over 12 years, and now I owe over {$36000.00}. When I contacted them over a year ago to find out my balance, they wanted to to verify various phone numbers and addresses that I may have had for over 10 years. Some of them I did n't not recognize, but may have been addresses for my husband. We are still legally married but have n't been together for over 13 years so I do n't know all of his former addresses and phone number. Because I could n't verify every single one, they would not let me do an address change or send me a statement to see what I had paid. They said they were being nice by letting me know my balance over the phone - {$31000.00}, which is exactly what it was when they started garnishing my wages! They also offered to make me another loan! I asked them why would they make another loan if they have to garnish the one I already have? 

The sad thing is that, if my loan had been rehabbed, in 1 more year I would be eligible for loan forgiveness for working for XXXX. Right now I am eligible for nothing & there is no end in sight. I talked to a clerk at an attorney 's office who had sent a bulk email about my servicer, XXXX XXXX XXXX, doing robo-calls. She said they can keep garnishing your wages, and she had a sister who tried to pay off her garnishment but was refused. They make more money charging you monthly, and she said she will probably be paying this the rest of her life. 

I do n't know what else to do. Do I have to keep paying this amount for the rest of my life?
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Experian is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Experian personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-being at risk. recently, it was determined that Experian has removed the fraudulent debt collection from my credit report but has not done the same with my wife 's ( XXXX XXXX XXXX ) credit report, which is very confusing being that the same process of deleting fraudulent information should apply to both of us!
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I made an attempt to receive my free report from Experian via the usa.gov website but received an error and was instructed to call Experian for further instruction. Additionally I tried freecreditreport.com and was unable to obtain my report. The website would not allow me to progress beyond step 1. After entering the information, it would clear the information and force me to start again. After several attempts I decided to contact their product support and was unable to rectify the issue, being told to try again later and/or use XXXX on a windows computer ( what year is this? ).
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I have been attempting to correct reported information on my credit reports for a collection with expired SOL and never validated. XXXX and XXXX have corrected their records and removed the collection account. Experian however sent a letter indicating they would not re-investigate because it was previously investigated in the past.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (MI)

A company furnishing date to Experian, did not comply with validation request. I provided what XXXX provided to me, which was just an itemized bill of a debt they were assigned that they are charging interest on. The company is not a licensed debt collector in Michigan, they provided no documentation that the debt was legally assigned to them, and provided no documentation that I signed anything allowing interest to be added or collection assigned.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I hired XXXX to assitmen in having negative and old information taken off of my credit report. Experian has been sent several request to remove several items and challenges to what they where reporting and they have not responded. these request have been sent to them more than 45 days ago and they continue to report false and inaccurate information.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Fraudulent activity is reporting on my credit report from Experian, listing a joint account for an automobile from XXXX XXXX. This was part of identity theft I was victim of, and after exhausting all options, Expieran still reports this account on my credit report.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

I have no accounts showing that I have ANY accounts listed on my credit file as a bankruptcy. The XXXX bankruptcy accounts on my credit file is n't me. I 've been asking how was this information verified? They can never give me a answer, it 's not verified through the courts because I had written them a letter, and they do n't report to the credit agencies. I want to know what 3rd party information source do they use? I have a right to know because this information is very inaccurate. XXXX has made the necessary changes.
Consumer complaint received 2016-09-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MI)

i have fraud alerts on my file that i did not request. this has caused me to be denied for a credit card. I did not request this alert, i have never requested a fraud alert. I need this alert to be immediately, i have never requested a fraud alert and i am not a victim of fraud
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

All information on all of the reports from Experian, XXXX, and XXXX Credit Reporting Agencies are based on unconscionable contracts based in Non-Disclosure and Deception by the alleged Creditor. All alleged creditors who entered negative reports to the credit reporting agencies did it without my agreement or consent of my freewill. Which bases those claims in deception and concealment in an attempt to defraud the Living. Alleged creditors have no valid verified Proof of Claim and I rest assured can NOT produce a verified proof of claim. Therefore all negative reports must be removed within 3 banking days.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft and I have an unauthorized and fraudulent account and inquiries listed on my Experian credit report. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2015-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

In XX/XX/XXXX, a Collection firm by the name of XXXX XXXX placed an inappropriate Collection Matter on my Experian credit report, for $ XXXXAfter my dispute of this Matter, it was fully removed from reporting at Experian. 
In XX/XX/XXXX/XX/XX/XXXX, the aforementioned inappropriate Collection Matter was reinserted to my Experian credit report, this time, under the name XXXX XXXX XXXX. 
I immediately disputed the inappropriate Matter once again with the Consumer Financial Protection Bureau, as I did on each occasion of this Matter ( see CFPB files # XXXX, XXXX, and XXXX ) By XX/XX/XXXX / XX/XX/XXXX, the inappropriate Collection Matter was again removed. 
As of XX/XX/XXXX, the aforementioned highly inappropriate information has again been reinserted to my Experian credit files, for the XXXX time. 
This time, it is listed under the name of XXXX, XXXX. The amount of {$540.00} is still unchanged. 
Once again, this alleged creditor chooses to continually misrepresent this Matter to a national credit bureau. 
Further, the alleged creditor and each collection agency chooses to " re-age '' this alleged account with each new round of misrepresentation. 
When it was first reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX. 
When it was inappropriately re-reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX / XX/XX/XXXX. 
And, in this latest round of highly inappropriate credit reporting, it is now reported to have originated in XXXX 2015. 
The alleged credit incident that originally occurred in XX/XX/XXXX, has now been " re-aged '' to XX/XX/XXXX, a blatant misrepresentation of sixteen months time. 
I ask that this highly inappropriate and repeated misrepresentation of factual credit data be once again removed from my Experian credit report. 
Further, if there is a way to stop this repeated cycle of blatant misrepresentation to the credit bureau, I would like to take action on that, as well. 
As always, thank you for your continued assistance in this Matter. 
Should you have any questions, or require additional documentation, please do not hesitate to contact me at your earliest convenience. 

Sincerely / XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-11-23
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC (IL)

My problem is the payday lender is harassing me via phone. I just received a voice mail threatening me to contact her within 24 hours or I 'll be charged with bank/check fraud. I Was given a " case number '' that does n't really exists and told to call a certain number XXXX XXXX XXXX - XXXX XXXX XXXX when she called on an " Unknown '' number. I 'm tired of these people trying to scare money out of people. They need to be stopped!
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

Someone took a credit card in my name. They accumulated almost {$13000.00} in debt and did not pay it. I never received statements for this account and had no idea it even existed. I was eventually contacted by a debt collection agency saying I owed XXXX almost {$13000.00}. The debt collection firm is Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX. Stillman and XXXX took me to court and won a judgment for {$12000.00}. I did not go to the court hearing as I was told not to. This is not my debt but I am being forced to pay for it. Stillman Law Office is garnishing my wages. I only make about {$350.00} a week. It is ironic I never received any bills or statements but when they went to collect they found where I live. Again they have been garnishing my wages but call almost everyday wanting more money. They wo n't stop calling.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

In XXXX 2013 I decided to pull my Credit File/Report and discovered that XXXX accessed my Credit File unlawfully under the false pretends that I was attempting to get a 30 Year Mortgage with XXXX. At no time did I complete any type of Mortgage Application with XXXX to obtain a 30 Year Mortgage or any other Mortgage Company. 
I NEVER gave XXXX verbal or written 'CONSENT ' to access my Credit File and to share my Credit { Personal } Information with ANYONE including any XXXX Parties. I contacted XXXX on 'SEVERAL ' occasions asking them for their help and requested that they provide to me the documentation that they received from XXXX that gave them the 'AUTHORITY ' to access my Credit File. XXXX refused to provide me with copies of ANY TYPE of documentation. I sent correspondence to XXXX on several occasions requesting that they respond to my inquiries in writing, which they acknowledge receipt of my correspondence and provide me with their company 's forms/documents to complete, which I did and sent back to XXXX the completed documentation/forms via Certified Mail on at least two occasions but XXXX refused to respond back to me in writing ... complete SILENCE! They refused to provide any type of documentation to me regarding the matter. 
I also contacted 'State Agencies ' that have jurisdiction over XXXX regarding this matter, but was UNSUCCESSFUL with getting anyone to successfully ADDRESS my CONCERNS regarding this matter along with the XXXX violation of my 'Constitutional Rights ' and the complete invasion of my PRIVACY, not to mention their UNLAWFUL ... and THEIR UNETHICAL behavior. 
Since InterThink is in the 'Trade of Business ' I am also ALLEGING UNFAIR TRADE PRACTICES against XXXX for unlawfully accessing my Credit File without my CONSENT and SHARING my Credit Information to another 'Trade/Business ' that I did NOT give my CONSENT!
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

On XXXX/XXXX/2016 Experian reported a duplicate XXXX credit card on my report which increased my XXXX score by XXXX points. On XXXX/XXXX/2016 this error was corrected and the duplicate account was removed but caused my XXXX score to drop by XXXX points. This inaccurate reporting and mistakes made by Experian has made it impossible for me to qualify for FHA home financing which requires XXXX or more XXXX score. my scores dropped from XXXX to XXXX due to errors made by Experian.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

This is a formal request to challenge the hard and soft inquiries on my Experian Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I had received several letters from XXXX XXXX XXXX XXXX XXXX agreeing to remove both accounts from my Experian Credit file. I have fax these letters to Experian multiple time now and the information is still reporting on my credit file. This has been a concern to me because when a consumer is being honest about different situations they go through with these credit agencies it seem like we still get XXXX. In other cases communicating with the credit agencies trying to stay on top of things one representative states they received my documents and talk to another and they claim they have n't receive anything.
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

My loan was being handled by The Money Source ( https : //themoneysource.com/ ). In the month of XXXX ( XXXX XXXX, 2020 ), I paid {$10000.00} towards my principal repayment. The reduced principal should have applied from that day itself and I was supposed to pay lower monthly interest since the principal outstanding is reduced by {$10000.00}. 

The Money Source transferred to loan to XXXX XXXX somewhere in month of XXXX and my first payment due to XXXX XXXX was on XX/XX/2020. However they did not apply the {$10000.00} which I paid in month of XXXX. 

I paid my monthly mortgage to XXXX XXXX based on the original principal and thereby lost the monthly interest benefit. And till date my {$10000.00} has not been paid/sent to XXXX XXXX. 

I do not know why the company did not reduce my outstanding principal by {$10000.00} before transferring the loan to XXXX XXXX. I lost approximately 2 months of interest on the {$10000.00} amount. 

Repeated mails and phone calls to The Money Source seem to have no effect. I have sent them multiple emails on XX/XX/XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX. Also called them more than 10 times. This is a harassment and mental torture since none of their answers are satisfactory. 

This is a fraud and bad practice as the mortgage lender should apply the principal repayment from the day it was submitted. 

Please look into the matter. 

Thank you.