davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I moved back to GA in 2014 and discovered I had several items on my credit file that I did not authorize. I immediately filed a police report in XXXX XXXX Ga. I called the XXXX credit bureaus where my files are located and added a fraud alert. Over the years I have been able to get most things removed from XXXX and XXXX but Equifax for some reason has been giving me the run around. Stating all my information has come back as verified yet they can not produce to me any information such as my signature to validate their investigation. I am an XXXX veteran and I defended my country proudly for 7 years yet I feel like the enemy when it comes to Equifax. I am in the process of rebuilding my credit and it is very difficult to do with all the fraudulent inquiries that 's are being held on my report by Equifax.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AZ)

I used the FTC link for my free annual credit report. I want to receive a report from Equifax. Equifax is the most difficult reporting agency to deal with because they demand that consumers become a member in order to receive a copy of want is essentially a copy of our personal information. I have family members who have had problems cancelling what is advertised as cancel anytime Equifax membership in order to get a a copy of a credit report. 
I wanted to avoid the hassle of dealing with the membership. As stated above I used the FTC website link for the free annual report. I enter the required information, clicked next and when the Equifax page appears there is a banner at the top says " Our site is down, try again later ''. However nothing changes no matter how long I wait. Can you help?
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have tried for at least 8 months to get items that are incorrect and or not mine removed and they seem to do whatever they want with my credit. I am having a major issue with Equifax performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims. This is a written request that you investigate items that I believe to be reported in error.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MN)

The servicing of my primary mortgage was transferred to Seterus over a year ago. I was sent a notification of transfer but did not receive payment information until well after my payment was due. As soon as I received payment information ( including the new loan number ) I sent off payment. I was assessed a late fee even though it was not my fault for the delay in payment. This late fee is still on my account.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

On or around XX/XX/XXXX I mailed Equifax letters informing them that my personal information has been used fraudulently resulting into several accounts being opened and sent to a collection agency. Equifax failed to answer or dispute any of the accounts that where being reported as a result of identity theft. They knowingly violated 15 U.S.C. 1681 ( c ) 2 ( a ) 1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXXXXXX, GA XXXXXXXXExperian Dispute Department XXXX, Texas XXXXXXXX, PA XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX Recent balance {$2000.00} as of XX/XX/XXXX Date opened XXXX/XXXXXXXX Account number # XXXX Recent balance {$1300.00} as of XXXX/XXXX/XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX, FL XXXX
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I satisfied a debt to XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$8500.00} on XXXX XXXX, 2014. I need Experian to remove this judgement from my credit report. This Civil Action number is XXXX
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MN)

This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I spoke with XXXX XXXX Credit Card XX/XX/XXXX to ask them in good faith to remove the bad marks on my credit report which were only 3, 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from almost XX/XX/XXXX being the last date reported to now being XX/XX/XXXX. This has dramatically affected all XXXX of my credit reports for an account that was opened XX/XX/XXXX.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

The XXXX ( XXXX ) attached accounts with XXXX were fraudulently opened in XXXX, which was a Business Card, and XX/XX/XXXX respectively. Both accounts had been previously reported as Identity Theft and BLOCKED by Experian. Subsequently, after a significantly protracted time frame they were incredulously reinstated without any explanation whatsoever and now have surpassed the Statute of Limitations of seven years. Your assistance in having Experian reinstate the BLOCKS on these legacy Identity Theft accounts from XXXX would be greatly appreciated.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I had received a letter from my previous employer about a data breach. I submit a request to Experian to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't.. My current address isXXXX XXXX XXXX XXXX following addresses need to be deleted from my address as they are n't mine. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Account Name Original Creditor Open Date Status BalanceXXXX-XXXX XXXX XXXX XXXX XXXX XXXX, 2011 Open $ XXXXType Description Additional InformationOwnership I have no knowledge of this account. N/AXXXX XXXX XXXX
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NJ)

I applied on line for the XXXX credit reports and the web site failed and gave XXXX page not found errors. I tried again and the freecreditreport.com site responded I already got the free report. there is no help number for assistance. I need the report timely butit is not available as required.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( XXXX, Experian and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call XXXX and Experian and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. XXXX and Experian said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since XXXX and Experian and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.
Consumer complaint received 2017-01-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRSTBANK (CO)

We had recently discovered we were losing {$5.00} per month with from an unexplained, and undisclosed new fee that arrived without warning or notice. After further investigation, we then discovered that we have been billed $ XXXX monthly for a " fee for less than XXXX bill pays ''. This has apparently going back at least a year from XX/XX/XXXX, and possibly longer, likely beginning around the time we moved to a different city in XX/XX/XXXX. Yes, that 's a a fee for LESS bill pays. In summary, we were billed at least 12 times for a service, for an amount that exceeds the actual value of the service, for using the service LESS than an arbitrary amount of times.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I have filed numerous disputes with the credit bureaus, XXXX, Experian, and XXXX XXXX, and each are coming back with the same stall tactic and not doing anything that is required by law when a consumer requests. I have repeatedly asked for documentation of proof showing that they verified each account, and asked for the person or persons name that they spoke to, and still nothing. Just the same old generic letter.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX Federal Bank previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (TX)

Hi, I called to XXXX XXXX, but XXXX XXXX 's phone number is not correct. I found in my experian credit report. 
Remove from my credit report. 
Why are they keep checking my credit till XXXX. 

Thanks
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (UT)

I had a loan with XXXX XXXX auto financing for a vehicle I purchased. I was involved in an auto accident that totalled my vehicle and left a little over {$700.00} on the loan after insurance payments. I had gap insurance to cover that amount, but they report it as a charge off.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Experian for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Experian about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AR)

In XX/XX/XXXX I called Experian twice about Inquiries showing up and disappearing and the rep told me that I needed to refresh my browser. I explained to him that its not a browser issue that something is going on with my credit score, not only that i had a fraud alert on my report, but I was told I needed to dispute them with the creditor - something that 's not mine???. I had to put a freeze on my credit because I do n't know what was going on. When I called them again to do another dispute the Customer Service did not help and take care of the negative inquiries reporting to my credit report. I also tried to log back in to view the case number and i have been locked out of experian
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

The following names below are spelled incorrectly or are wrong : 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 The following addresses below are listed incorrectly or are n't mine : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( missing lot # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine ) XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine )
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

Experian is not reporting the correct date, the account was opened. XXXX XXXX has sent official letter stating the date the account was opened. Experian has done several inadequate investigations and has not completely and accurately investigated the file. Experian is also incorrectly reporting the XXXX 2014 payment as 120 days late and the XXXX 2014 payment as 120 days late There are all sorts of inaccuracies in their reporting and they will not comply with my rights to have a correct and accurate reporting of this XXXX XXXX account. It is unfair for me to continuously have to spend more time writing letters and verifying information they should have access to.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

This is my formal complaint concerning the XXXX major credit bureaus validation methods. My name XXXX XXXX XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a zero balance. 
I contacted the XXXX major Credit bureaus, XXXX, Experian, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

i have several items that do n't belong to my credit history i have called and have sent all required info my ssn card, my drivers lic, anything they ask from me. please help me. 
these are the accounts that do n't belong to me XXXX i have called all these companys several times with no help.
Consumer complaint received 2015-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I sent them a letter is regarding an account that I have not had. XXXX note the attached document from the secretary of state of Ohio. 
I have no affiliation with this company. Its a business credit card processing application. 

I sent them proof from secretary of states office ( attached )
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

On my Experian Credit Report, the collections account " XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Experian has n't removed it yet. I received a letter in the mail saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Consumer complaint received 2016-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (ID)

I fell behind on student loans, not because I did not want to pay, but because we could n't pay. We have finally gotten to a point where we can begin making regular monthly payments starting in less than 30 days. Unfortunately, I had XXXX private student loans that went into default at the end of XXXX of XXXX. The accounts have been sent to collections. The collections companies refuse to work with us on payments. They are requiring large amounts of money right now and threatening to ruin our credit scores if we do not comply. We are unable to comply. We have tried calling the original loan servicer to set up monthly automatic withdrawals if they will just bring our loans back out of default. They refuse. All I am asking is that they take these accounts out of default and allow us to set up payments. We are still willing to set up automatic withdrawals. We want this resolved in a way that is not catastrophic to our credit scores or our ability to provide for our family. I hope that we are able to convince the original servicers to work with us, as we are willing and now finally able to pay.