davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I am filing this complain because experian has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

This matter has been going on for more than a year. I will call Experian request that a dispute be removed from my account an agent will remove the item but it reappears on my account. I contacted the collection company that Experian indicated that keeps reporting the item being disputed which the company is XXXX XXXX. I called XXXX inform them that I was not disputing anything regarding their company. I explained to the representative for XXXX XXXX that although the item that they are reporting was not mine and I responded to the letter that was sent several years ago that it was not my account. I would not be disputing the item. The item was removed by Experian but it reappeared. I contacted Experian requested that the dispute verbage be removed and it was removed but then reappear. This issue has been going on for over two years. I called in XXXX 2016 spoke with a representative again and was told that I will receive a letter stating that the dispute will be removed and the XXXX representative said that a request would be sent to the all credit reporting agencies to remove the dispute. I receive received that letter from XXXX XXXX as the representative stated. I received update credit reports from the credit reporting agencies but Experian refuses to update my credit report. I sent Experian a copy of the letter that XXXX XXXX sent to me and Experian still refuses to update my credit report. I called Experian told to several different agents and XXXX supervisors and all told me that they could not update my report even with the documentation form XXXX XXXX indicating that the item was not being disputed. I was informed that Experian did not have to report accurate information regarding the consumer credit file, and they would not be removing the XXXX XXXX dispute from my credit file even knowing that the item was not being disputed. I referenced the letter that I had from XXXX XXXX but the agents ( XXXX of them ) and XXXX-supervisors all said that they did not have to remove the dispute even having supporting documentation on file stating that the item was not being disputed. I was told several times that Experian did n't have to report that consumer information correctly.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

after paying Experian a monthly fee to check my credit report and score, i found several items that needed attention and the most critical XXXX accounts in collections, and after talking to a customer service from experian i was told that if this collection accounts where paid and settle my credit score was going to increase greatly and that collection accounts where hurting my credit score, so immediately i stat working on getting this accounts out of my report : i was able to remove XXXX accounts and paid and settle the remaining XXXX, after paying the last accounts i contacted experian and email proof of the paid accounts ( correspondence emails bank statements etc, with the collection agencies ) and they did nothing to remove this accounts and increase my credit score, so i end up filing a complaint with this government agency CFPB, this complaint made experian angry and retaliated LOWERING my credit score from XXXX to XXXX!!!! instead of increasing my score for paid collection accounts my credit score was further damage, and i am here doing the right thing so i can buy a home but now it sims impossible i ca n't fight powerful XXXX, # 1 i sign up to monitor my credit # 2 experian is charging me to give me that information # 3 i did everything they suggested to HAVE better credit # 4 after paying the accounts in question they refuse to correct my report # 5 i file a complaint with CFPB # 6 in retaliation for filing a complaint they broke my legs lowering my score # 7 i am about to loose a real state purchase just got a few days left .... 
as you can see without someone to regulate this credit bureaus this king of abuse will keep happening now i am left with only XXXX option, contacting senator XXXX XXXX and XXXX XXXX, today XXXX/XXXX/2015 i talk to XXXX XXXX # XXXX and she told me to look for legal advice ( hire an attorney ) to represent me??? so i am confuse about the reason of CFPB existence, are they here only to hear people cries of agony ( really ) or are they here to tell the credit bureaus to stop abusing consumers and to really mean it. 
cc XXXX XXXX XXXX XXXX cc XXXX XXXX CFPB Director thanks for any help and i am here XXXX if you have any question XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my Experian and XXXX credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and XXXX, sent both of those credit reporting agencies, copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment has never been filed. I need these items removed from my XXXX and XXXX credit reports, as they have been paid and satisfied.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I have several items on my credit reports that have been disputed with Experian, XXXX, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others. The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request. I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3. XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4. XXXX- # XXXX 5. XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts, XXXX ) 6. XXXX- # XXXX 7. XXXX- # XXXX 8. XXXX- # XXXX 9. XXXX- # XXXX 10. XXXX- # XXXX 11. XXXX- # XXXX
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I opened a XXXX credit card account around in 2010 and I believe XXXX merited with XXXX XXXX. My XXXX MasterCard were paid in full and closed before I there were transferred to XXXX XXXX. At this time XXXX again Experian Credit Bureau is reporting my XXXX XXXX accounts with negative information. I reached out to XXXX XXXX and they stated that they will contact the reporting agencies again with the positive information.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : Experian, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I ordered credit report on XX/XX/XXXX through my creditchecktotal.com. I noticed account appearing though XXXX XXXX XXXX with $ XXXX balance, apparently this account been open since XX/XX/XXXX. This account appeared out of no where, I never opened that account and it only appeared on my report in XX/XX/XXXX. I send a dispute with Experian, they told me they were able to verify this information though XXXX XXXX. I contacted XXXX XXXX XXXX they said that I do n't have this account through them, and they said call Experian. I called Experian and lady was very rude with me and told me that she would not do any additional investigation and I need to call the bank, I called the bank was on the phone with them for 2 hours and they ca n't find this account. I tried calling her again but she was rude again and said ca n't help me. This account is only being report to Experian. Even if it was my account, this account is over 7 years old and should not be appearing on my credit report. 

I have attached my credit report please review : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Marlette Funding, LLC (IL)

Multiple offers for " pre-approved '' installment loan to assist with debt consolidation. Letters read : '' You 're Pre-Approved for a personal loan up to {$50000.00} '' Once personal information is entered on website, no offers given.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

Report Number : XXXX On XXXX XXXX I pulled my Experian credit report from the annual credit report site and discovered I have a a unverified accounts from the following companies : XXXX XXXX XXXX # XXXX This account I have never done business with this company error please delete. 
XXXX XXXX XXXX # XXXX No record of this account never validated please delete. 
XXXX # XXXX Please Delete no record found. 
XXXX # XXXX The account not verified please delete. 
XXXX XXXX XXXX XXXX This account is a XXXX XXXX violation please delete. 
XXXX XXXX XXXX XXXX, # XXXX, # XXXX Thess accounts has never been verified error please delete. 
XXXX XXXX XXXX XXXX Never done busines with this company please delete. 
XXXX XXXX - XXXX XXXX {$2200.00}. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I disputed on my second mortgage with Experian on XXXX which was included in a chapter XXXX bankruptcy in XXXX of XXXX. I have noticed that XXXX has been reporting in the Recent Balance XXXX $ and a current date of XXXX. I also noticed on other credit reports such as the XXXX in XXXX that it was being reported as Date of Major Delinquency First Reported and put the date of XXXX. I did not re-affirm this loan in the bankruptcy. My understanding is that from what I am reading that " After bankruptcy mortgage payments-current or late-do n't show on your credit. My results from Experian is that is will remain. My 1st mortgage with wells fargo under Recent balance shows the correct date of XXXX which is what it should say on safe credit union. XXXX informed me that they can not report any payments on the credit file. So why is XXXX XXXX XXXX reporting it. I would like to have it fixed. I have attatched screen shots of the reports.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX XXXX who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX attorneys could n't offer any proof. 

If you take a look at my supporting documents XXXX my letter to the credit agency and XXXX letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired XXXX '' information from XXXX off my credit report. 

Many thanks, XXXX
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

There is a student loan with XXXX that is showing a balance of {$67000.00} in collections on my Experian credit report. This loan belongs to my daughter and her account is in good standing. There is no longer a balance on this account or in negative standings. I have disputed this account numerous times and Experian refuses to make any changes on the account. XXXX and XXXX has deleted the account from my report, but it seems that no matter how much I dispute the account Experian does not want to cooperate with my requests and re-investigate the item to have the erroneous and inaccurate information removed.. So I am filing this complaint hoping that I do not have to seek legal counsel.
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc. (MA)

Paid off my XXXX loan and XXXX still refuses to fix it on my credit, making it 120 days late when I have all the pay off, info proof that it was paid off same for transition both bereaus have been preventing me from getting a car, and causing XXXX and ruining my life
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute concerning XXXX XXXX. When I did n't get the response I expected I filed a report with CFPB. I received a letter from XXXX XXXX stating that " XXXX XXXX reported your account to the credit reporting agencies as a " Satisfactory Account- Closed at Consumer 's Request '' in XX/XX/XXXX. In XXXX and XX/XX/XXXX, your account was reported as " 30 days past due '' and " 60 days past due '' respectively. However, upon the closing of the billing dispute noted above, your account has been re-aged. The delinquencies have been removed and your account will report as current for XXXX XX/XX/XXXX with the next reporting of your account. We regret any frustration you may haveexperienced as a result of this situation. The issue regarding the credit has been escalated to the appropriate team for further research. " I called Experian and asked why my account has n't been re-aged and why they reported the Account closed as of XXXX, not XXXX. I stated that I attached the letter from XXXX XXXX. XXXX from Experian explained that the Account # XXXX XXXX reports is different than the Credit Card Account #. XXXX said that they will send the letter to XXXX XXXX to verify. 

Why was n't the letter sent to me by XXXX XXXX verified before completing the dispute? I would like this issued resolved as it seems to be lingering on.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I have tried to dispute this account online and Experian refuses to allow me to do so. They have an account for XXXX XXXX on my credit report with the terms and payment history wrong. 

A. The account is listed on my credit report but the account has been closed for over 2 years. 
B. They have that the account is currently 60 days late. The account is PAID IN FULL. 
C. I want to dispute this account and they will not allow me access to my credit file. What is the problem?
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I went to the annualcreditreport.com. to order a copy of my free credit report from all three agencies. My information is take, than I get a response from Experian. unable to supply me with a copy of my credit report at this time. I am then asked to send my request through the mail, with so more private information about me. I have received a copy of my report several years ago, but I do n't remember it being this difficult to see a copy of my report. When I call all three number associated with the credit bureaus, it is just a teleprompter of sending you around the circle where no physical person comes onto the phone. I would like to know, why I can not get a copy of my report online. If I knew what the problem was I could fix it, but if I do n't know what the problem is, I can not fix it.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I never seen these credit cards. XXXX. I never checked my credit because I Have n't tried to use any credit cards, I never wanted any. Everything I have is from cash. Now that I may need to use my credit I find Things I never seen before, this may be Identity theft. I do n't know how to fix this.
Consumer complaint received 2017-03-02
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I purchased an ebay gift card on ebay.com through seller Paypal XXXX XXXX on XXXX/XXXX/XXXX with a stated value of {$100.00}. The buy it now price for this auction was {$95.00}. This gift card was delivered via email on the same day and sat unused in my email inbox until I tried to use it for the first time almost a year later on XXXX/XXXX/XXXX. At this time, I entered the provided gift card code and the balance showed {$0.00}. 

I filed a dispute with Paypal and they promptly denied my complaint. I searched online for a possible solution to this problem when I came across XXXX, where users in the forums reported a hack of the Paypal XXXX XXXX database. There were many users reporting stories similar to mine, and one of the members directed people in the forum to consumerfinance.gov for a possible resolution.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX REF : XXXX Date:XX/XX/2016 To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following HARD credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
Sincerely, XXXX XXXX XXXX