davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I got my credit checked when I was trying to buy a house and the report came back showing some accounts that I originaly thought was identity theaft. After calling a few accounts they told me its my social but not my name on them and a few of them said is not my name and the social was a digit off. I got a police report and they did a quick investigation and concluted that there was a glitch and after looking at the accounts it looks like its coming from the experian credit report.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I am disputing the following hard inquiries on all my credit reports to include XXXX experian and XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX IXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI did voluntarily submit my info to XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX, XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a veteran of this countryand would like to see these stricken from my record.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

There are XXXX accounts still showing on my credit report as negative impacting items that should not be there, as the date opened is more than 7 years old, which is longer than the allowed period for a negative item to be reflected in accordance to the law. I have disputed the credit items with experian and will attach the documentation as needed. I request for them to be removed, as they should no longer show on my credit report. XXXX item is from XXXX XXXX and another XXXX is from XXXX
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Case # XXXX - XXXX XXXX. 
This has been paid and fully satisfied. Attached is the confirming of the satisfaction of judgement with XXXX XXXX. The letter is dated XXXX XXXX, 2014 and recorder at City of XXXX on XXXX XXXX, 2014.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KY)

I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA XXXX. They are not reporting information 100 % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting 100 % accurated dated and verifiable.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

Someone 's been using my information. Someone else 's SSN is appearing on my Experian report. An address in California, and people 's names I do n't even know. I had to verify my identity with XXXX several times and they were asking me about people I 've lived with and I do n't know those people nor have I ever lived with them. The only thing we had in common was our last name. I have a {$290.00} bill that is not mine.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

A mortgage lender erroneously reported late payments on XXXX account for over 16 months. Once the issue was resolved and I received the mortgage lender letter stating they were at fault and were going to take steps to rectify the misreporting, I contacted the credit reporting companies to verify it was resolved, and XXXX of them still had incorrect information. I began separate disputes with XXXX credit reporting agencies, XXXX of hem being Experian. The first dispute with Experian was opened on XXXX XXXX, 2016 and I received a completion notification on XXXX XXXX, 2016. The credit report still contained the same errors, so I called Experian to ask what additional information I could provide to rectify this. Experian call center staff said no additional information was needed, and they were just going to open a second dispute to correct my credit report. A second dispute was opened on XXXX XXXX, 2016 and completed on XXXX XXXX, 2016. The late payments still show on my credit report after the second dispute was finalized.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I FILED A DISPUTE ON XXXX ACCOUNT ON MY CREDIT REPORT - AVANT - WHICH LISTED ME AS XXXX MOS. PAST DUE, {$340.00} WHEN IN FACT I MADE THE PAYMENTS AND IT WAS DURING A TIME WHEN I WAS IN TRANSIT FROM MY HOME IN XXXX TO XXXX TO DEAL WITH THE DEATH AND FUNERAL OF MY MOTHER. I WAS CONSTANTLY COMMUNICATING WITH ALL MY CREDITORS, MAKING PAYMENTS AS I HAVE, AND FOR SOME REASON, XXXX, DID NOT RECOGNIZE MY EMAIL ( XXXX ), ONLY XXXX AND DID NOT CREDIT MY PAYMENT CORRECTLY AND I HAVE SEVERAL EMAILS FROM THEM STATING THAT THEY DO NOT RECOGNIZE UNREGISTERED EMAILS, BUY MY IPAD FOR SOME REASON SENT BOTH BUT XXXX 'S SYSTEM, WHEN NOTING THE " UNRECOGNIZED '' EMAIL - REJECTED.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

Account numberXXXX .... 
I contacted Experian telling them that an account was reporting past the delinquency time, in addition, I contacted the original credit and they no longer have the account on file. Experian will not allow me to dispute this account again, for lack of new information. The new information is that this is past XXXX years from the original delinquency. I understand that this is scheduled to come off in a month, but I 'd like for it to be removed now. I contacted the original creditor and they do n't even have record of the account anymore, because the company is no longer existing, though it has been transferred to XXXX XXXX, XXXX XXXX told me to contact the bureau. I checked my report and Experian noted it as if it was just recently disputed and update, but the XXXX XXXX rep stated that they do n't have the account in their files and did not receive any recent disputes that they can find under my social. I feel stuck and like I am the only one being penalized in this process. I 'd like this account deleted please. Thank you
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding this matter.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are multiple accounts on my credit report that do not belong to me I have been disputing these with the bureaus for 4 months now but no one is getting back to me or replying back to my letters and calls. I have not applied or used or know of these accounts I need help to remove them from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 've contacted Experian Credit Agency. I have not received a response from Experian with the original documentation proving this medical bill from XXXX ACCOUNT # XXXX actually belongs to me and should be posted on my credit. I sent a certified letter requesting the original medical records showing I signed for these services on XX/XX/2017 They are reporting this same account and amount owed two separate times on my credit report. I want these negative accounts removed from my experian report for lack of providing original documentation proving it belongs to me.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (NY)

In XX/XX/2017, I discovered fraudulent activity on my Best Buy branded Visa credit card. I immediately called the issuing company, filed a fraud complaint which went smoothly, the account closed, investigation opened and a new card issued. On XX/XX/2017 I received a letter that reads " We are writing to inform you that we completed the investigation on your " My Best Buy Visa Platinum account. As a result, we removed the disputed charges and any related fees and interest charges from your account. '' I have since started receiving calls from Citi card services which is the issuing bank for the card. The system is an automated dialer that will leave a pre recorded voice message, but when I answer the call, the system disconnects with no messages. I called the customer service number on the back of the card, and the system tells me I have an outstanding balance that is past due. Upon further investigation, it is a balance transfer that would be equivalent to charges associated with the fraudulent activity that was reported and supposedly resolved. I have made multiple attempts to contact the company directly via telephone. Every time I call, it is a hassle to get through the automated system to attempt to speak to a real person. When I finally get to a point where I can speak to a person, I get a recording saying the office is closed, which proceeds to list business hours that I am calling during.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

My credit report show a hard hit for an auto loan. I have not tried to get a vehicle loan in 2014 as I have a brand new vehicle. I did not try to get a vehicle loan in 2014. I want to know how that happened? Also how do I remove student loans on my account that belong to my adult children? If this is at all possible because I can get signed statements with a notary stating they are theirs.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I contacted Experian and reported that there was an account that was being reported on my profile that did not belong to me. I do no nor have I ever had an account with XXXX XXXX and there are XXXX trades reported under my profile. I contacted the creditor at the phone number listed on the report and the only information that they were able to provide was that the store that originated the trades is no longer in business and suggested that i file a dispute with the credit bureau. I asked that Experian validate the debit but instead they dismissed my concern and the trade has remained on my report. I 'm not sure how I can prove that I do not have a debt with these people but i am sure that they can not prove that i do, so I am very confused as to how Experian can just say, oh well miss the debt is in fact yours now until 2019. I know that it is my right to have my credit file contain accurate information and am sure my rights are being violated.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (OH)

I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 
The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 15 days. 

Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX XXXXBanks and XXXX & XXXX BANKBanks and XXXX & XXXX XXXX Credit XXXX XXXX XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX CT, XXXX, OH XXXX
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX AND XXXXand have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Consumer complaint received 2015-06-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NY)

After accepting the Experian offer for a report for XXXX dollar XXXX {$1.00} XXXX, Experian enrolled me in an unwanted monitoring program. I discovered on XXXX/XXXX/2015 that Experian has been charging my credit card for unwanted services monthly {$23.00}. I called the company XXXX on XXXX/XXXX/2015 and was given the phone number XXXX. The representative at the XXXX number said they would cancel my " membership '' but would not cancel the previous monthly charges. In my opinion, the information provided at the Experian website was misleading and their decision was improper to retain the previous XXXX monthly payments totaling {$47.00}.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

Experian as repeatedly claimed to ave re-verified information that either is n't mine or is n't correct. They 've ruined my credit for years. I also added a fraud alert and they continue releasing my report without my permission and the inquiries do not meet fair use criteria. Finally, they report incorrect personal information and refuse to remove it no matter what proof I provide. 
I am providing proof I have a {$0.00} balance on my XXXX XXXX Credit Card. 
XXXX XXXX is not my account and has never been. I do have an XXXX account with a {$2800.00} limit, but it 's not this account number. 
XXXX XXXX XXXX is older than 7 years and should n't be on my report to begin with, but I also ave proof from them it should be removed. 
XXXX had no right to request my credit report for fair use or any other reason. This inquiry must be removed ASAP XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type All banks - non specific Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I 've ad to pay for alerts and credit monitoring due to their gross mishandling of my file aka my life.
Consumer complaint received 2023-02-27
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. (AZ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Back in the late XX/XX/XXXX 's earlyXX/XX/XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XX/XX/XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PA)

Experian is reporting multiple names and address under my credit file. I have tried to dispute them on numerous occasions, provided proof of identity and yet they still refuse to delete this names that are not mine. I do not want to continue having these names on my report possible penalizing me for some one else 's mistakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX