davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax has XXXX hard inquiries on my credit report, when XXXX has XXXX and XXXX has XXXX. Some of the XXXX inquiries are from companies I never approved of and others are from companies I 've never even heard of. When I reported the inaccuracies, it took them less than a day to tell me that I can contact the creditor because they report anything they 're told. I 'm not sure how they expect me to contact companies I 've never heard of, hand them my personal information and hope they admit their mistakes and fix it. I am a victim of identity theft affected by the XXXX, XXXX and XXXX cyber attacks. At best someone stole my identity, but I do not believe this is the case, I believe equifax is trolling for false negative information as they have in the past and it was proven in court. The fraudulent inquiries are : XXXX inquires from XXXX XXXX XXXX ; this is my bank for my checking account but I never authorized any credit inquiries. XXXX inquiries from XXXX ; I 've never heard of them let alone authorize a check. XXXX inquiries from XXXX bank ; never authorized. XXXX XXXX inquiry ; never authorized. XXXX XXXX inquiry ; never authorized. This totals up to XXXX false inquiries and only XXXX correct ones. These fraudulent activities need to be taken off my report and I should not have to contact individual companies myself. It is equifax 's responsibility to verify the accuracy of the information they report before allowing it to damage my credit and reputation.
Consumer complaint received 2015-07-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services (NC)

XXXX XXXX, XXXX I received funds from Delbert Services in the amount of {$2500.00}. I began repayment of the loan XXXX/XXXX/XXXX, with {$330.00} and beginning XXXX/XXXX/XXXX payments decreased to XXXX. I have made timely payments through XXXX XXXX, XXXX totaling {$6400.00}. I 've contacted their office requesting an amortization schedule and loan payoff. The only information received is that t I would have to pay {$2000.00} to satisfy the loan and the final loan date in XX/XX/XXXX. The documents received does not indicate this.
Consumer complaint received 2022-08-03
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. (TX)

Equifax Credit bureau reported a collections account " XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX verbal agreements, nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

this was inserted into my report by the bureaus just recently the electric company has not updated since 2012 i called the electric company they said they dont have a record of this it is an error with the bureau. i have not paid this account late ever. it is impacting my score in a major way. i am attaching XXXX reports to show how it changed from one day to the next and not on reporting dates.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Please help as account # XXXX has been reinserted on my credit report for the third time and the dates have been changed. The first time this account was on my credit report under " XXXX XXXX '' # XXXX and was deleted. Now, the same account is showing up under " XXXX XXXX '' # XXXX with changed dates. Please have this account removed off my credit report ASAP as if violates the Fair Credit Act. 

I have provided supporting documentation for your review.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

This is the 2nd consumer protection request! I received an alert from Experian that I had a new account reported from University XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible. I have disputed this account two times with Experian and they have not handled my request. They received a response back from University XXXX XXXX stating that I need to contact them yet I already have. Please resolve ASAP.
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

a company made a hard inquiry on credit report on XX/XX/2014 i never gave the company permission or had any dealings with them for employment or financial i contacted experian who said it was valid inquiry and provided with the company 's phone, i attempted to contact them and the number is not in service the address provided as well is also incorrect the post office returned mail addressed to them. i now feel the company does not exist and this could some of fraud or identify theft on the company that pulled my credit report without permission
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

Received notice of an account that was {$1800.00} and in collections. This account was for Cable and internet service XXXX XXXX at an address in XXXX XXXX. I moved to XXXX in XXXX XXXX to start a business and we have lived in XXXX since then. I never lived at the XXXX XXXX, XXXX, XXXX address where services were established. 
I had been a previous victim of credit fraud so I had a 7 year freeze ( XXXX military ) placed on my credit and this account was still opened without my knowledge or approval. Both the credit reporting agency and the service company tell me there is nothing they can do. This is a verified account. How is this so if I did not even live in the state at the same time and never gave permission. I called the police to get a police report and was told here in XXXX they can not do a report because it happened in XXXX. XXXX says they can not do a report over the phone. 
We are trying to buy a house and this is hurting our family. What can we do? 

Thank you for your attention,
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MO)

Whenever I go on a website that lets me check my credit score, it says that they ca n't access my credit score. I 've tried XXXX and experian, but they said the same thing that they ca n't access my credit score. I type in all the information they ask for, but it still wo n't let me see my credit score.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I have disputed XXXX accounts with Experian for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Experian has not removed these XXXX accounts for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against XXXX and the XXXX creditors in court. I am trying to avoid that as I am XXXX.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NY)

I became a soul proprietor this year so I'm rally going through my finances this year for the first time. Going through my Amazon/Synchrony statements I noticed a " protection '' fee. After calling Amazon I was told to call the number on the statement. After calling the customer service rep told me that I have been paying this fee since XXXX! I never signed into this and if I did I was surely unaware of a fee. After cancelling the service I did my due diligence and started searching online to find out that they others have gotten full refunds when this has happened. I was told I was over the " XXXX days ''. This is absurd.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX reported a late payment in XXXX 2013. I sent them proof of payment and they refused to remove the late. Sent the XXXX bank statement, showing payment, to Experian, they sent it to XXXX, and again they refused to remove the late. 
They should be fined, forced to correct, and punished.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted Experian XXXX times and wasted a lot of time because of this nonsense.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

I have a bankruptcy from 2005 that is no longer being reported by the XXXX XXXX XXXX XXXX DIST XXXX. I have been advised to dispute it with the bureaus to have it removed. I successfully was able to do so with all bureaus but Experian. I requested a physical copy of my report by mail. I called to get assistance from a CSR to initiate the dispute. I was told I could not dispute the information. I told him I 'd like to speak to a supervisor. I was put on hold then transferred to a voicemail. I left a message. I got a call the following day from XXXX on XXXX XXXX, her supervisor is XXXX. She could not give any other information to contact her again. She also denied me my right to dispute the information saying it will say for ten years. I told her the information is no longer accurate as the court is no longer reporting it. She refused to dispute it.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

on XXXX/XXXX/16, I went online to receive my free credit reports from XXXX. **I was able to obtain reports from both XXXX and XXXX and after printing the XXXX report, the System kicked me out for *Security Reasons* as it stated. I was not able to retrieve information on Experian. Then when I logged back onto the website, it indicated I had received credit reports from each when in fact I was n't able to access Experian. I 'm asking to be granted access to Experian or receive a Report to my address.In reviewing the report, I discovered a FRAUDULENT Account from the XXXX XXXX. I wanted to lodge a dispute with XXXX to have this removed. Thus, I wanted to review Experian to determine if it was displayed on their site. The XXXX had no reference to this account though. **Someone assumed my identity and Opened this Fraudulent account and I was just made aware this existed as no mail was ever sent to my address. **Thank you for your Assistance. Not sure if these are going through. Have n't received any response on previous Complaint.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I sent out a certified letter to XXXX requesting them to verify this account, I pulled the address from credit report from Experian. It came back to me because Experian must have the wrong address on my credit report. By law in which stuff like this protects the costumer XXXX had 30 days to verify. Since my letter to them game back to me dated XX/XX/2016 Experian has refused to remove this trade line that does not belong to me.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

Experian does not have a place to dispute accuracy of credit report so I chose balance wrong. Experian concluded everything is correct and did nothing and will not investigate again. XXXX is falsely reporting account information such as date delinquent, amount owed. I called XXXX previously and customer service reported amount owed was XXXX and first delinquent was XX/XX/2012
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (IL)

I cancelled a service XXXX 2016, I recently received my credit card statement for the month of XXXX and realized that this company billed me TWICE in the amount of {$59.00} for a service I CALLED AND VERBALLY CANCELLED TWO MONTHS PRIOR.. CALLED AND Spoke with a agent who confirmed that I have not used these services but told me that my money WILL NOT BE REFUNDED ...
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

My permanent mailing address changed 5 months ago. 5 months ago I verified with all my creditors that report account status of that address change. I have followed up with each one twice and they assure me they are reporting my current address. I have requested by direct communication with Experian to remove addresses which are not mine. 

MY CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Any other addresses need to be removed. I have verified with all my creditors they are reporting my information with my current address : XXXX XXXX, XXXX, TX XXXX. 

XXXX and XXXX both updated my information with my current address, expunging any other addresses previously listed. 

Experian is the only company that will not comply, and also they have very incompetent customer service agents in XXXX, or the XXXX that do no not communicate clearly. Besides being very difficult to communicate with, they are mindless script readers who can do nothing if its not on their teleprompters.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I disputed a medical account on my Experian credit report XXXX/XXXX/XXXX and the account came by verified and I sent a certified letter on XX/XX/XXXX asking for verification of who they spoke with and methods used to verified and I received a credit report today stating the information is verified and remains unchanged. They did not provide me with who they spoke with or methods of verification. I contacted the hospital and I have receipt of the bill being paid and that it is not in collections. the credit reporting agency did not verify the information because the balance was paid to the hospital and the account is not in collections. if they verified the information they would not that it is incorrect and remove the collection agency from my report
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (OH)

I have sent previous request to Experian, requesting they Delete XXXX Account Closed with inaccurate information from my file and yet they have failed to do so. 
Accordingly, I intend to show a judge that these accounts are inaccurate and that thus violated the Fair Credit Reporting Act by ignoring my requests to investigate with Correct Information. My previous request stated my reasons for Delation and these reasons were not frivolous in any way. 
If this final request does not prompt Experian to conduct a proper Delation of the account in question, and send proof to me of said Deletion, I will file a civil suit in XXXX XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation with Deletion. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports I request this be resolved and delated with in 5 days to avoid stalling the process further by you.. 
I anticipate your response.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I disputed the Foreclosure reference on my credit report in XX/XX/XXXX. Experian came back with a verified status. This was a short sale and not a FS and their coding is keeping me from getting an FHA loan. I have disputed this for almost 3 years now and it does not get resolved. They list paid in settlement in the comments but the coding shows a FS on XX/XX/XXXX.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

EQUIFAX fails to remove the XXXX XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$50000.00}. EQUIFAX reports incorrectly that this account is past due {$50000.00} even though XXXX CARD issued a XXXX. EQUIFAX reports incorrectly this account Credit Limit is {$43000.00}. EQUIFAX reports incorrectly that this account is currently over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.