davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX ' XXXX XXXX XXXX, shows on credit report as a charge off not once but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX . 
XXXX account is not mines and have dispted with experian for the last 5 years.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. ()

I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( Equifax, XXXX, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! XXXX XXXX
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have made XXXX attempts with Equifax to have the incorrect information reporting on my credit report to be removed! Equifax, continues to tell me that the information has been validated. I have filed a police report with my local police station stating that I am a victim of identity theft and they are currently investigating the issue as we speak. I would like to have the incorrect items in question to be removed. Please see the attached police report that I have submitted to Equifax 3 times already. Please help me resolve this issue.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

they continue to confuse my information with my father 's information. I have sent social drivers license and proof of address ... they have my fathers ss number and his and my moms credit card info. they also have me as retired from XXXX ( instead of showing that I have a job ... also have my ex wife 's credit card info and hard inquiry from XX/XX/XXXX, and we have been divorced since XX/XX/XXXX. I have spent moths to get the credit report because I was unable to answer the questions required due to how many of the questions were erroneously based off of the incorrect statements of my fathers credit report, and I was unable to answer them .... Please help.
Consumer complaint received 2015-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Dear sir/madam, as I was going through my credit report on Experian, XXXX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (CT)

On XXXX/XXXX/2015 we called Statebridge Company to make a payment. Statebridge first stated they would not accept a payment because our loan was in default. When I disputed that fact the Statebrideg representive stated that it didnt matter and that our payment was past due and that we had to the full amount Total Past Due : $ XXXX.The representative once again refused to take the payment. I reminded him that the Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. When I informed the representeive that he was violating federal law under Dodd/Frank and the CFPB rules and that he was required to accept my payment and he tranfeered me to his supervisors voice mail. 
On the same date I contacted a XXXX XXXX who is allegedly XXXX of the XXXX SPOC and emailed her the following : Dear XXXX XXXXI would just like to notify you that Statebridge Company refused to take a payment over the phone. We will file a complaint with the CFPB and we will record this violation on any future litigation that may be filed. 

I deny that our loan is in default and your refusal to except a payment is in violation of federal and state laws. 

If you have any comments or suggestions to resolve this matter you may contact me at this email addressSincerelyXXXX XXXXOn XXXX/XXXX/2015 I resent the same email and have not received a response. 
Statebridge seems to show a pattern of making it difficult for consumers to make their payments or not taking consumers payments at all. We belive that this may be an organized attempt by Statebridge Company to rack up fees and illegal forclosures on customers, by claiming consumers are not making their timley payments.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

# 1 Experian is reporting XXXX as well as XXXX funding and it is the same account. that is double jeopardy and must be removed as only the company that actually holds the account can report the account. If they are both reporting it, it looks like I owe twice the amount on my credit summary. The original creditor does NOT hold the account anymore, therefore it must be removed or must show that it was transferred to another company, which it does not. Please see credit report that is attached. 

# 2 I 've notified Experian that they have the wrong filing date on the bankruptcy and they came back saying that " bankruptcies will stay on your credit report for 7-10 years ''. I never asked how long they stay on there! I also wrote the court and their response was that they dont do any verification whatsoever with the credit bureaus and so, in consideration of the fact that they can not verify this and that they are reporting it incorrectly it must be removed. In addition, I did not give my authorization for them to report it on my credit file pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (VA)

Have tried to retrieve report on line - reports requested- with information - went directly to : we can not process your request, please call or request by mail '' when I call I can not get anyone on phone to help just given address and request for mail in form and payment check to process - wanting copies of SS card and other info - I have no way of securing info once it is mailed-all agencies are doing same thing -
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I am complaining about experian credit reporting agency. I have been disputing incorrect information on my credit report with them. Now today I tried to re-dispute the same incorrect information and the system would not allow me to do so. A message came up after I put the items in the cart telling me I have already disputed this information and they will not re-dispute nor re-investigate the incorrect informaiton. I tried to add a personal statement to each one and I was not allowed to do that either. I have complained to the XXXX as well as experian will not allow me to re-dispute incorrect information. To be very specific and not to delay in processing my complaint. The following errors are reporting on my experian credit report : XXXX XXXX : was never paid late. I contacted XXXX at XXXX XXXX and left several messages and never received a return phone call in regards to this matter. XXXX ext : XXXX ... ..XXXX is reporting XXXX seperate loans. This is wrong I only had XXXX loan with them not XXXX ... ..XXXX credit card : never paid late ... .XXXX/ account paid in full before they sent this over to collection. It should have never been sent over to collection in the first place as I paid this account in full. XXXX keeps telling me I was to pay the XXXX and not XXXX directly. Regardless they received the money from me because it was the same account number.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I wanted to check my credit so I logged into Experian. It asked if I wanted to pay XXXX for my FICO score. I check yes. My score was perfect so I logged out. Somewhere along the line they say I signed up for some type of service with them and they billed me XXXX later. 
I did not authorize this nor did I see anything that said I was incurring this charge. I called and was told too late they had already processed the charge and could not reverse it. 
To charge someones credit card they need to make it plain to the consumer that they are being charged and should require a box to be checked authorizing the payment. 
I am a XXXX and resent being what I call tricked into a fee for something I do not want or need.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I think it is a scam, I received a phone call from XXXX from a person who would n't give me her name stating she was calling from " XXXX '' and stating she was looking at my " Experian '' credit report and she wanted to lower my credit card interest rate. She was not professional and I felt extremely uncomfortable knowing she had my credit information. She stated she could see my last six months of payment history.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NJ)

The website is totally inconsistent. I easily obtained credit reports from XXXX and XXXX but Experian will not process my online request and will not let me resubmit the request. I have no idea of how to dispute this with Experian. They should be required to have a live customer service number.
Consumer complaint received 2016-05-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MI)

XXXX obtained a copy of my credit report on a debt that had been paid. I called Experian and asked why they were able to obtain my credit report when no permissible purpose was granted and they have no permissible purpose. 
" FCRA 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe " FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec-tion 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. '' ( A ) intends to use the information in connection with a credit trans-action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; '' The FCRA does NOT limit a consumer to {$1000.00} per violation. That limit is for statutory damages under the FDCPA, not for civil liability under the FCRA. 
Civil action under the FCRA is covered under FCRA 616 for Willful Noncompliance, and FCRA 617 for Negligent Noncompliance. 
FCRA 619 provides that " any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. ''
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

on my report appear a balance of a apartment that ca n't be me because on that time i does n't have social security number and i was on XXXX grade of schoolS, also there is a student loan under my name and thats not possible either because like i said i was here with out social SSN
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (AZ)

I requested a credit report for all XXXX of the credit bureau report on my credit. XXXX and XXXX has my score at XXXX when I check Experian they report my credit at XXXX, which is over XXXX points difference from the other XXXX bureau. I wrote them a letter 30 days ago and still have not received a response. The reporting is creating havoc on my qualification for credit. The selection above does not match my issue with Experian
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I pulled my credit report from Experian, XXXX and XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2016 ; no response. Due to the lack of communication, I then contacting Experian, XXXX and XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Today I received in the XXXX a letter from " Experian '' credit bureau dated " XXXX XXXX, 2015. '' In it " Experian '' has under the " Personal Information '' section, myself as named " XXXX XXXX XXXX, name identification number XXXX. '' This is n't me. My name is " XXXX. '' I am the victim of Identity Theft. When I called up " Experian, '' they refused to " Delete '' this " XXXX '' false/Identity Theft name off of my " Experian '' credit report.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MO)

Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all three major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX XXXX 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (AL)

My dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been addressed. It has been over 6 months and the information still shows " re-investigation in process ''. XXXX has failed to provide adequate results within the time limit. I am asking that this be removed from my credit file ASAP. XXXX and Experian removed this debt after re-investigation over 6 months ago. My dispute was filed in XXXX 2015 ( see outcome from Experian in XXXX 2015 ).
Consumer complaint received 2016-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

In XXXX 2015 I submitted a fraud claim with Experian they removed some items but not all of them. I was instructed to obtain a police report which i filed on XXXX XXXX, 2015 so I sent that over to them. Now I still have XXXX accounts that they will not remove that were listed on the police report. This is completely frustrating because XXXX and XXXX has already reviewed the info and removed the accounts but Experian wont help me become a better person. Too may hours and time wasted for no reason! I want the following accounts blocked from my credit report immediately please. XXXX. My report number is XXXX Thank you so much!
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (WA)

US Bank applies over draft fee 's on my account, based on the available account balance. They calculate the available account balance by subtracting my " Debit Card Authorizations '' from my actual account balance. 

" Debit Card Authorizations '' are defined below. 
" When you use your debit card as credit, and authorize payment without using your PIN, the final charge will be submitted by the merchant and reflected in your Account Balance once complete. Meanwhile, these transactions appear as Authorization Pending in your pending transactions list. 

Some authorizations may not be shown between XXXX and XXXX Central Time due to processing. " So this means they are charging me overdraft fee 's on pending transactions. These pending transactions have not completed and been paid yet. They subtract my pending transactions from my balance but not add my pending deposits until they have fully processed. 

I think if they are going to count my pending withdraws against my balance they should also count my pending deposits against my balance as well. 

Thanks, XXXX
Consumer complaint received 2016-09-22
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Clarity Services (MO)

I keep getting calls, texts and emails about completing my loan application to get my money fast. I have not applied for any of these loans. I have spent 3 days filling out forms for Identity Theft and filed a police report. I got a denial email XX/XX/2016 for a loan I did not apply for. I have told these companies multiple times to not contact me and remove my name, phone number and email from their list. 

The following companies that continue to contact me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Clarity Services, Inc. XXXX ( Multiple unauthorized hits on my Credit Report )
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I started this loan XX/XX/XXXX with a payment of {$180.00} a month for 10 years for my daughter. It started out with XXXX XXXX XX/XX/XXXX i was laid off from my job and i was struggling to make the payments and i fell behind on the payments i contacted XXXX XXXX for help and they said the only thing i could do was put the loan in forbearance i did that for 2 years then Navient took over serviceing my loan and they capatlized on it and charged a lot of interest, consolidated the loan and changed it to a 25 year loan without even telling me.I was not able to pay the {$250.00} payment i asked for there help with a payment plan i could afford and was told the only thing they could do was set my payment at {$180.00} a month for 2 years that was XX/XX/XXXX - XX/XX/XXXX i made those payments but nothing came off the principle it was all applied to interest since XX/XX/XXXX i have been paying {$250.00} a month and have not missed or been late on a payment but my principle is not going down only going up the original loan was {$22000.00} and now it is {$25000.00}.
Consumer complaint received 2015-12-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services (SC)

In XX/XX/XXXX I took a loan out with Western Sky in the amount of {$2600.00}. I have since paid back over {$9000.00} to XXXX different companies, Western Sky, XXXX XXXX, and Delbert services. I paid what I thought was my last payment in XX/XX/XXXX and now I am getting calls from a company called the XXXX stating I owe another {$1600.00}. They are calling me at work after asking them not to, and calling my mothers home harrassing her and telling her she is involved and going to take her to court also. They told me if I do n't pay them in 3 days they will sue me. I need advice how to handle this matter.