davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IA)

A recurring charge keeps appearing, originally from XXXX, on my XXXX and Experian reports. I had reported it once a couple of years ago, then it appeared again under the guise of another company. I provided proof that I never had XXXX at my address, that I had another service not related and it was n't even under my name originally, I had to redo that after my ex moved out It was under XXXX XXXX at the time from XX/XX/XXXX through XX/XX/XXXX. Unfortunately, XXXX wo n't let me access back that far again, but they should still have the original information on file. I provided bank account history, utilities, and billing history from XXXX, who was my provider at the time. At any rate, I could provide proof that I did n't have or even need XXXX at they time this company reported me. I even provided a copy of the resolution letter they had sent me the first time, telling me that it was removed. All to no avail. I have been a victim of identity theft in the past and I am afraid this nightmare might not be over. Please help!
Consumer complaint received 2017-04-27
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST ()

Around  XX/XX/XXXX , there was a direct debit attempt from  XXXX  on my account but there was not sufficient amount in the account but my bank,  XXXX    XXXX   authorised the payment and was charging interest on it unroll it accumulate to  XXXX  plus. I confronted the bank about it but it was then already with a debt collector, so I made the payment. This is still showing on m y credit score til l now  XX/XX/XXXX  and I can take any loan from the bank because of that.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that perticular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, Im guess because its mulitple accounts. i called to inform them of this. XXXX have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harrassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has reported me as charged-off, even though I have settled the debt for {$850.00} with XXXX. The account was not a charge off, but rather a settlement and I have attached all the cleared checks to show the total of {$850.00} was paid to settle the debt in full.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2016 I contacted Experian to re-investigate XXXX Bankruptcy entires on my credit report, 2 days later I received the results in the mail, not only is Experian still reporting wrong information. They re-inserted a Public record that was deleted XX/XX/XXXX. This proves to me that Experian is being very unprofessional and vindictive when they are caught reporting wrong information from unreliable sources. please investigate.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (VA)

When I called Social Security to secure an online account with them, they told me my information did not match what Experian had reported so I could not have an account. When I received my credit report from Experian, I found no problem. When I called Experian they said it was because my information had been merged previously with another creditor and when that happens Social Security will not give me an account unless I spend XXXX hours going to the Social Security office. 

It is ridiculous that I should spend XXXX hours ( 1 hour each way and XXXX hours waiting to get an appointment ) in order to straighten out a mistake the credit bureau made. Could you please look into this? Other people surely have the same problem because the credit bureaus are so fouled up.
Consumer complaint received 2015-06-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

I have spent the past 6 months sending disputes monthly to Experian about XXXX inaccurate accounts reporting on my credit report. ( XXXX XXXX XXXX XXXX Accounts and XXXX XXXX Account ) Experian has consistently disappointed me by doing everything in their power to not honor the disputes. They 've said:1 ) This is a suspicious request and we are protecting your identity, so we will not honor your disputes ( Although the dispute was not suspicious, it was sent certified mail with a return receipt and included my identification documentation and a list of the accounts in question ) 2 ) Send more documentation, we ca n't verify your identity ( although I sent a copy of my passport, drivers license and social security card with the original dispute and the address on my disputes matched the address on my Drivers License and Credit Report ) 3 ) We have previously verified these accounts, we believe your dispute is not valid, so we will refuse to process it. ( Although their other responses were not verifying the accounts at all, they were requesting more information and fraudulently denying me my rights under the Fair Credit Reporting Act. 
4 ) Now they have stopped responding to my disputes all together. 

It 's evident to me that Experian is willfully non-compliant and blatantly breaking the law. When I sent the request to XXXX and XXXX, they deleted it right away. 

Now, here is the part that really gets to me ... I called XXXX XXXX Collections and they told me that they requested the accounts be deleted from my credit report months ago. I asked them if Experian has investigated the account, and they said no. 
I was recently denied housing because the property management company pulled by Experian report and this information is still haunting me after I 've done the exact process of disputing inaccurate information that is granted to me under the Fair Credit Reporting Act. But Experian is blatantly breaking the law and it 's threatening to make me homeless.
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (PA)

I am a small business owner and in between XXXX I had to take a great loss as XXXX came across the street to my newly purchased XXXX in XXXX, XXXX Not even that I had to close the XXXX but also had to pay for the removal of XXXX. Well for that reason I could not pay my Federal and State Taxes which I end up paying all of them with the penalty. Those tax liens still show on my credit report with XXXX of them as un-paid due to this I got denied earlier this year when I try to Re-finance my mortgage and again now when I applied for a small business loan. I tried to contact Experian, IRS and State of PA and all verify the paid status but Experian is unable to provide me a reason for my XXXX credit score. This is effecting my life immensely and I am requesting a resolve to this situation, thanks.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NV)

I applied for balance transfer balance w/ discover card in the amount of XXXX dollars they approved XXXX I told them I needed XXXX. I told them if they could not XXXX to forget it. Two weeks later 2 weeks later they did a transfer balance anyway with out my knowledge or approval. That left me owing XXXX XXXX XXXX  and discover card XXXX. The legal term for that is surreptitious.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

There is an address on my credit report that was reported on XX/XX/XXXX. I have lived at my residence since XX/XX/XXXX and still to this date. I can prove. If you can please check or remove this address it is not my residence. Thank you in advance.
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

My card was stolen. A charge was made and it was not from me.  Chase  did an " investigation '' and claim the charges were authorized ... they were not. They sent me a letter stating that they were reversing the credit on the  XXXX . They did the charge on the  XXXX  at  XXXX . Not only is that misleading but they also refuse to refund my money.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

At the termination of my lease, when I return the car to the dealer later I received the letter for ally financial charging Excess wear for the tire. I do n't agree to pay for this because I return the car XXXX Cadillac SRX with XXXX miles and total mileage allowed is XXXX.so when I return the car the tire has in good condition and normal wear for the mile it has, not excessive wear like they said.
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I am a mortgage customer of XXXX XXXX XXXX. They are advertising on their main website that you can check for credit card offers, get a decision in less than 60 seconds, and there will be NO effect on your credit report/score. I filled out the information, expecting XXXX to do a soft pull on my report, but they pulled a hard copy credit report. I have the page printed that I am referring to, and also spoke online with one of their reps tonight. He said he would refer it to their main office. I have a copy of the main page as well as the online conversation I had with the rep. Unfortunately I ca n't get it to scan where you read it clearly.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

We called reporting credit bureau, they said my personal report had no record of an eviction. But they said there are other reports that are used, like in this case .... tenant screening report. The information on that report was wrong. That eviction was a sealed court document that was dismissed. We have copies and a telephone number of court / contact.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NH)

Experian is reporting a foreclosure starting in XX/XX/XXXX on my credit report, source XXXX bankI was denied an FHA mortgage through XXXX XXXX bank as a direct cause of this erroneous information. 
This account was completely closed back in XX/XX/XXXX and I can prove it with a copy of the dee transfer which was recorded in XX/XX/XXXX. 

FHA mortgage guidelines disqualify any applicant with a " recent foreclosure '' in the last 24 months. This account is XXXX years old ... as it was CLOSED totally and finalized with a transfer of deed, registered at the XXXX County Court in New Hampshire. I supplied this proof to XXXX XXXX, who re-submitted it through Experian Credit Bureau, who still refused to remove it. I origianlly disuted this directly through experian in XX/XX/XXXX when this inof appeared..to no avail. This has caused my extreme financial damage, and emotional distress, causing me to forfeit funds ... possibly move etc. etc.
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

In response to a Experian credit report issue, they continue to report XXXX inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XX/XX/XXXX-XX/XX/XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately. This account specifies in the payment status that I was late when I never was and the reporting history does not even reflect it it actually contradicts it. Please delete immediately. Also be advised this is new and material evidence that was suggested. You are bound by FCRA, FTC and HEA laws please follow them.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX- collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on XXXX , no date on XXXX and XXXX on Experian for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

My creditor XXXX XXXX has reported twice on Experian. Once under loans and another under Litigation. This is facing a judgement in public records. Due to this / This loan was deleted from my XXXX account. XXXX only report it once. A previously opened charge card. XXXX XXXX that is delinquent and charged off was reported with an incorrect open date of XXXX/XXXX/2013. This account was deleted with the dispute and was reinserted with an open date of XXXX/XXXX/2013. This account is closed but it is reporting a fresh charge off every month. It shows on my credit as a new account. These items are ruining my credit, could you help. XXXX XXXX also reports it as a fresh account.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Hello Cfpb, I 'm yet complaining again simply b/c I feel like the process is being dragged out and that experian is not taking my file serious enough. I 've sent XXXX separate letters certified to them stating my claim and showing the ID crime report, providing drivers license, etc and I still have XXXX, still have credit acceptance, still have some large XXXX apartment complex, and some child suppport thing out of michigan?!? .. I would laugh because of the last XXXX ... My name is XXXX XXXX and what the police thought is that someone with a similair name is getting tagged to me.. not sure how the system works entirely but I need to get this handled asap. 2017 I do n't want to be messing with this ... I will if i have to but I 'd rather not. I did see a XXXX light bill show up as well which to Experians defense they have not had it brought to their attention. When I contact these places they simply instruct me to pay settlement and I refuse I 've compiled dates and responses that I can upload if needed if it will show my initiative. thank you, XXXX XXXX.
Consumer complaint received 2016-05-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX companies that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (TX)

There are things on my credit that should not be on there. I had my wallet stolen and my information was all in there and now i have things that are under my name that was in my wallet that needs to be disputed with the creditors and taken care of immediately because of it damaging my credit.
Consumer complaint received 2017-04-27
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. (KS)

I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Equifax instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX, I requested a " free '' credit report from Experian online and was asked to enter my credit card for a {$1.00} charge to have the report sent to me. In XXXX, I noticed that Experian had been charging my XXXX Visa since XX/XX/XXXX for some kind of membership that I did not request nor agree to. It costs {$21.00} per month and the total charges I have paid are {$130.00}. I have repeatedly attempted to cancel the membership and reverse the charges without success. I have requested that Experian refund all charges from XX/XX/XXXX to XX/XX/XXXX, but they have refused. It is still unclear to me whether this membership ( and associated charges ) is now cancelled. There are numerous other complaints similar to mine posted on-line and they number in the XXXX. The people affected by Experian 's practices probably number in the XXXX because of the likelihood that not everyone will post this problem on line. Experian 's customer service representative admitted he received numerous complaints just like mine, but does not make and can not change " policy '' for Experian. Please put a stop to this practice. It is rampant and a simple XXXX search for " Experian unauthorized charges '' will reveal how extensive this fraud is. Thank you
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Contacted XXXX collection agency and original creditor, neither could provide detail information regarding this account. the collection agency states they dont have to account anymore it was pulled from their services. All that was give to me from the original creditor was account number and my personal information that was used. No further information regarding discharge info or signature of documents. I have disputed this and have yet to get a responseCollection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX