davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (ID)

I had the original loan in XX/XX/XXXXwhen I was XXXX years old. The exact amount I am not sure, but I did pay for awhile and then it went into Forbearance due to hard financial issues. In XXXX I guess they consolidated and the balance was {$8100.00}. I have been paying {$94.00} with 6.125 % interest since then. As of today, I still owe {$7800.00} and will not be done with the loan until XXXX. I think the fees are extremely ridiculous! I know I am responsible for some back due interest, but I was told that the {$8100.00} was where I was starting in XX/XX/XXXXand so when I do the math, I have paid over {$13000.00}. I think they are adding fees. I am now XXXX years old and can not believe I still have student loans. 
The loan details I have at attached are with my maiden name. I am in the process of getting that changed. Thank you for your time. 
The school I went to was XXXX XXXX XXXX XXXX XXXX in XXXX Id. They are no longer around.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I was able to access my Free Credit Report from  XXXX  companies  ONLINE ;   XXXX  and   XXXX    without any problems.     However, when I tried to complete the online process to receive my FREE REPORT FROM EQUIFAX, I was unable to. I was told I would have to submit PAPER COPIES OF ALL THE REQUIRED DOCUMENTS ( S.S. card, pay stubs, etc. ) through the mail.     I feel this is outright ridiculous and would put my personal & credit information in jeopardy.     I do n't see why I should not be able to access this information online.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FRCA The term " Investigative consumer report '' means a consumer 's report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Account : XXXX  # XXXX
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 ; states that I have the right to privacy. In 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account account without my written instructions. And under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc. (MA)

Like your recent consent order with the credit reporting agencies, I requested a Free Credit report from Experian on XX/XX/2015, expecting to receive my credit score for free as advertised on the website. Through clicking through the options to receive my " free '' score, I was unknowingly enrolled in some premium credit monitoring which was billed to me in three separate transactions : {$1.00}, {$21.00}, and {$39.00}. I disputed the charges directly with Experian, who refunded the {$39.00} which was an annual fee, but I did not receive a refund for the {$21.00} since time had elapsed since I had " enrolled '' and thus they determined I was " using the service '' which is obviously a bogus claim. I do n't seem to be an Affected Customer under your recent Consent Order but from my experience it sounds like these deceptive practices were also ongoing at Experian.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have been working diligently over the last 6 months fighting accounts on my report that do not belong to me. On multiple occasions, I have received appropriate responses from the bureaus and the creditors. On almost as many occasions I have not received the appropriate response or investigation. I have even had to file previous complaints with your agency against creditors due to their unfair and illegal practices. You have been very helpful and I have achieved the desired results due to your investigations. Thank you for this On this occasion, I am contacting you about the three major credit bureaus. As stated earlier, I have been working diligently to ensure that accounts that do not belong to me are removed from my report and what I do owe gets resolved. over 2 months ago, I sent out disputed to all 3 major credit bureaus for a total of 3 accounts that do not belong to me. Each particular account is only reporting to 1 bureau. They have yet to respond to my initial dispute nor the re-dispute I sent 28 days ago since I had not heard back from them. 
The accounts on my report that do not belong to me are as follows. 

XXXX XXXX XXXX {$210.00}. Experian OnlyAcct #? 

XXXX XXXX {$120.00}. XXXX XXXX Onlyacct #? 

No name XXXX literally no company listed on the report XXXX {$54.00}. XXXX Only. 
acct #? 

I know that these accounts can not be verified and they should not be on my report. Especially the account on XXXX. How can they verify something that does n't even have a name? Please assist me in getting the bureaus to do their job properly and remove these unverifiable accounts. I am in the middle of escrow and these are the only things holding me back for the last 60 days. Literally {$390.00}. I could n't even pay all of them if they were actually mine since they do n't give me the name of the {$54.00} creditor. How can they report accounts like this? Thank you and I will await your timely response.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

Received declination of credit from a credit card I attempted to open. Rejection letter stated Experian 's phone number as well as " Report Access '' link and include a XXXX digit " reference number ''. When attempting to receive complimentary copy of my report that resulted in this decision, tried both Experian 's phone number and website link. 
After carefully entering my ( correct ) information, Experian 's phone system said they could not retrieve my data and I must submit my request in writing. There was no way to access an actual operator to provide them with the Reference Number ( which presumably should have made finding my report quite easy ). Instead, it simply repeated the mailing address and necessary supporting documents. When going through the experian.com/reportaccess site, I also received the same denial of accessing it through their online system, and was told to submit my request in writing to the same address. 
It 's ironic to note that Experian does not accept mailed credit card statements as proof of address ; given how many people are using electronic statements only in this day and age, it 's not always easy to find XXXX of their accepted forms of mail. 

I will note that I have ALWAYS received this type of complication from Experian, also while trying to claim my free annual credit report as required by law. 

I assert that Experian purposely makes their " Free '' system hard to retrieve reports from, in an attempt to get people to purchase their reports instead. I have no doubt that if I signed up for their credit monitoring service for a hefty fee, they would somehow " magically '' locate my report. They are simply trying to leverage the laws in place for consumer protection to grow their business.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

Experian is reporting incorrect information on XXXX XXXX account # XXXX they are reporting that the account was charged off it was not I have already disputed this item XXXX times and gave Experian proof of no charge off and they refuse to remove it.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (OR)

I opened a credit card with  Barclay 's ba nk and was sent a credit card. They refuse to send me a bill so I can make a payment, or they are sending my bill to a different address. Because I am not getting a bill, they say I 'm late and continue to charge a {$37.00} late fee. I tried to contact them several times and I have yet to hear a word from them. They are charging me late fee 's for a bill I never get!
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (DC)

I contacted the creditor and they acknowledged that the account was in error and that I did not owe the amounts in question. I have a letter from the creditor stating the same. The creditor contacted all three credit reporting agencies to correct the information and only Experian continues to have the account as legitimate.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (WA)

I had an account that was deleted on XXXX XXXX from XXXX XXXX and reinserted on XXXX.And it was removed on Experian on XXXX XXXX and then reinserted on XXXX XXXX. I never received any notification that it was being reinserted from either bureau and there was no reason for it to be reinserted. Per the FCRA laws I am to be given a 5 day notification and I wasnt .I have at this point contacted an attorney and will go forward with a law suit if not removed and hopefully with your help it will be removed again finally. 
I want the account re-removed because they have failed to follow the law 1681 a 5 a of the FCRA 611 5b.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DC)

I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my XXXX daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I have been informed, that there is a public recorded reported by ( United States Bankruptcy Court, XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent dispute, because this information in Not accurate. Per my last conversation with an Experian representative, was your claim to verify information at the United States Bankruptcy Court XXXX Of California. I have contacted the United States Bankruptcy Court XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Experian, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I mailed a request for a copy of my credit report using the form provided and completed the information they requested. Experian was the company I requested the report from. 
It has been over six weeks, and I have not yet received a credit report from them and they have not been in contact with me.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CO)

I disputed an account on my Experian and XXXX credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a XXXX time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CT)

For the past eight years I have been incarcerated. Just prior to my release the institution had us to check our credit reports. Upon doing so I discovered that there many accounts I could not have opened because I was incarcerated at the time. I sent off letters to the XXXX agencies and I have had a very hard time getting my reports. Experian refuses to give me a a report because they say they cant confirm my address. On XXXX occasions I have faxed them my bank statements both of which have my address. I also sent them a notarized affidavit signed by a prison official attesting to the fact that the address I gave them would be my release address and that there was no way I could have procured the credit because I was incarcerated. Experian and XXXX give me test questions to verify my identity however the questions they ask are based on the fraud items which are on my account hence I do n't know the answers. Furthermore it is my understanding that if XXXX credit bureau deletes an item they are supposed to notify the other XXXX bureaus so they too can remove the item this has not happened. On XXXX XXXX I spent the ENTIRE day on the phone with Experian and XXXX trying to get them to release a block that I asked them to put on. In the case of Experian once again they asked for documents to be faxed and once again I sent the bank statements, affidavits, birth certificate and social security card. On the XXXX I was trying to get them to lift the freeze so an employer could check my file and so that my family could assist me in getting a car. The Experian rep thought it was amusing and I assure you there is nothing funny about my plight.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NJ)

My goodness I have been through it with getting information on my Credit Report changed. XXXX, XXXX and Experian have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Experian instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (MD)

Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. XXXX Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.
Consumer complaint received 2016-05-31
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 on XXXX and ordered my annual free credit report from all XXXX CRA 's. I reviewed the report from XXXX but the site crashed before I could go on to review the reports from Experian and XXXX. The site then said that I had used up my free report review for the latter XXXX companies. I tried to write to them on their site but after emplaining the problem in the " contact us '' space I was unable to submit the request and received an error message. I would like to review my free reports asap.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

Kia finance attempting to collect a Insurance deductible for XXXX XXXX following car accident on XX/XX/22. Car was insured by XXXX, paid in full and residual excess value after meeting XXXX deductible was given to me via direct deposit. Last payment on lease made XX/XX/22 almost XXXX months after accident. Following this XXXX informed me to cease ALL payments to XXXX. 

Kia motor finance calls me daily and hangs up as soon as I answer, no one at XXXX can explain to me why its there, only the amount they think is owed. 

XXXX is attacking my credit illegally and filing the fraudulent deductible balance as a delinquent payment despite no statements saying I am required to make monthly installments on this deductible. I am going to be consulting an attorney and potentially suing for damages as I took a near XXXX point hit. 

XXXX was already sued for $ XXXX for this after my car accident happened. XXXX is handling this matter unprofessionally and in a toxic manner as the only time the harassing caller answered me was to argue and have a toxic harassing attitude. 

I have reported this to XXXX  with no response following the report, and XXXX also fails to respond in a timely manner following internal investigations if they even actually perform XXXX, only returning paperwork saying I owe a deductible. I never signed any paperwork for XXXX products involving insurance through Kia. 

I owe XXXX $ on this lease and the documentation states it, they provided me documentation to literally purchase the totaled car for over XXXX XXXX This makes no sense.