davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Second Round Complaint I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX XXXX XXXX  : They stated Im paying under partial agreement .Which is false .No documents or signatures. 
Dept of Ed/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They stated Im paying under partial agreement. Which is false. No documents or signatures. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Ga XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2019-05-13
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: EQUIFAX, INC. (CA)

This is an official grievance against Equifax situated in XXXX. XXXX XXXX XXXX, GA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. 

For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXX, Opened Date XX/XX/2014, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, EQUIFAX has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. 

This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

I am attaching the previous Letter I sent to this company as well as proof that I am a victim of identity theft.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : XXXX is Reporting the following fraud accounts : 1. Law Offices - XXXX XXXX XXXX 2. XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Experian is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed
Consumer complaint received 2019-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (OH)

I opened a XXXX XXXX  XXXX  account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external Barclays Dream Account. On XX/XX/2019 Barclays notified me that an item had been returned. I subsequently called XXXX Customer service and was told that the transfer was marked as potentially fraudulent and that XXXX had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from XXXX asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. 

Because I had received an email from Barclays indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my Barclays account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from Barclays indicating that an item had been returned and an email from XXXX indicating the transfer could not be completed. XXXX automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. 

I called Barclays customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a Barclays suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with Barclays and that I should call XXXX to request they investigate the same. 

I called XXXX Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives,  the last who told me that the funds were in XXXX 's system and possibly hadn't yet connected with Barclays ' system but could not tell me a date this would be resolved. 

I called XXXX customer service on XX/XX/XXXX and was told the funds were not with XXXX and to call Barclays. XXXX offered to wait on the line with me while I called Barclays customer service, but eventually told me they could not continue to wait and hung up.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WA)

My Daughter and I went to a XXXX XXXX in XXXX, WA. XXXX XXXX XXXX had a booth and a sales rep that basically made a HARD Sale. I purchased one of the beds and the mattress cover that was required in order to not void their warranty. The next day my husband and I decided to cancel the purchase and contacted XXXX XXXX. The bed was cancelled and we thought the entire purchase was voided. A few weeks to about a month went by when we received a package from XXXX XXXX. It was the mattress cover ( s ) for the bed we cancelled. We tried to deny the package, but the driver wouldn't take it back. I called the XXXX XXXX I had used before but was told they were not returnable. I never understood this. I attempted to contact another number but never got anyone that would explain why the entire purchase wasn't cancelled since I called the next day to cancel the entire purchase. I still have the mattress cover ( s ) unused in the original shipping box ready to send to anyone from XXXX XXXX. Instead of accepting the covers back, they chose to add additional charges and send my account to collections where we now have debt collectors from other companies harassing us daily. The original amount for these covers was {$260.00}. Now after looking at my credit report it's ballooned to {$500.00}. All I want to do is return these unused mattress covers for a bed we never got!
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services I requested a validation on XX/XX/2019 as this was an account that I did not recognize but should have been covered in full by Medicaid. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid. I do not believe the account belongs to me as it should have been paid by Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct and that the charge is not covered in full by Medicaid.
Consumer complaint received 2019-05-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Acceptance Solutions Group, INC (OH)

I received a very threatening voicemail from XXXX XXXX agency stating they were " On there way to XXXX ( Former employer ) and would then be coming to my house to make me sign legal documents. I returned the call to gather information on what this was about or even if it was legitimate. The call was anwsered by a very casual sounding man named " Mr. XXXX '' who I gave my name and the case number to that was left on the voicemail. He then without telling me transferred me to a kind guy named " XXXX '' who I also gave my information too and informed me it was about a debt for {$170.00} from a company named " Acceptance Solutions Group '' for a short term loan from early 2017! I informed I wasn't familiar with this company or loan and then he stated he needed to put me on hold to see if he can " Stop the courier ''. I took this as an obvious scare tactic even though this guy seemed kind. I then was transferred to another person named " XXXX '' who's title was " Director of Operations ''. He informed me that this was a debt that I only had two options for ... Either pay {$170.00} now or I will go to court and will be " forced to pay $ XXXX {$1000.00} for legal and attornys fees, He is just trying to help me out and give me one last chance ''. Again, I am not familiar with this debt or company. He read me my DL Number and email as what I can only assume was an attempt to make me feel this was valid. He then stated the original loan was for {$100.00} and the total pay back was {$170.00} from XX/XX/2017. He stated I made 8 Payments of {$27.00} ( Which totals {$210.00} ) but that I still owed {$170.00}. This did not make sense so I questioned further and asked why I have not received anything on my credit report from them and he informed me it's not on credit reports but it is still lowering my score. He said he understands my confusion with the math but the bottom line is that I have to pay {$170.00} now or I will have to pay up to {$1000.00} in court. I stated he can proceed with the legal paperwork and that was the end of the call. The tactics used by this company ( XXXX XXXX XXXX XXXX ) on behalf of Acceptance Solutions Group I feel are extremely aggressive and threatening. Stating they are on there way to my employer ( No longer work at ) and that they will have my boss OR HR manager sign the paperwork if I'm not available and then come to my house is uncalled for and wrong not even taking into account the math issues explained.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

My identity was compromised and it has left an negative impact on my credit file, and with that said I'm asking for this fraudulent and unknown account to be removed and blocked from my credit file immediately. 

1. XXXX XXXX
Consumer complaint received 2019-04-01
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)

On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number  attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to Equifax, XXXX, and XXXX to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against Equifax, XXXX  and XXXX  they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

LoanCare LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, I am not even sure how to begin our complaint as we have now had to file a CFPB complaint on 100 % of the files currently being serviced by Loancare. Our current issue is on short sale for a VA loan on this property ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ). I dont know if your employees are untrained, are not able to read or comprehend English, have been told to delay file submittals to squeeze more servicing fees out of the investor ( *** Yes I am stating that you are defrauding the US Federal government by doing this ) .. Or, you simply hire the dumbest people on the planet. You choose, either one of the above says a lot about the lack of care given to your servicing of loans under your care. 

The most recent debacle centers around your Loss Mitigation Specialist I,  XXXX XXXX, asking how a solar judgement that she found on title was being taken care of. She has asked this THREE TIMES on XX/XX/XXXX and XX/XX/XXXX, and we answered this question TWICE ( for the record there IS NOT SOLAR JUDGEMENT ON THE TITLE report ), but supplied her with a copy of the title report. Apparently, your employee doesnt know the difference between a financing statement ( aka solar lease ) and a judgement. When we called in on XX/XX/XXXX2019 to follow up, we were told that Loancare was ordered their own title report. I am confused. Did XXXX lie about having a title report and seeing a Solar Judgement on it or did she just make it up. 

See attached emails, Title Report and our Authorization Letter. XXXX mentioned in THREE emails that their title report has a solar judgement on them. 

I would really like to know why the feet dragging on this file ( other than the obvious reasons of lack of training or simply attempting to squeeze more money out of the VA ). 
Please rectify the situation immediately on this file. 

For ease, we are cross filing this complaint with the following organizations : 1 ) CFPB 2 ) State of California Attorney Generals office 3 ) Department of Veterans Affairs ( Southwest Region ) 4 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair
Consumer complaint received 2019-05-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

According to a guy claiming to be from the compliance office of XXXX XXXX there is a case against me that I am not sure how this came to pass. The gentleman was very rude and also contacted my brother and a clinic with the same hospital I work for but not the clinic I work in. I feel that I have received no information in regards to this issue with supposedly ACE CASH EXPRESS, according to them I received a loan, in an unsaid amount of money and it was deposited to a XXXX bank account with my information on it and that it was not paid due to account being closed, I have been with my current bank for over 3 years and have not been with XXXX for a long time now, so I am not sure about this, I was told that I am being charged with defrauding a financial institution and owe them money, well I do not agree that this is legitimate as I do not recall ever getting a loan from ace cash in XX/XX/XXXX. As for the money that they say that I owe, I have never received any documents in writing stating that I owe any money to them but now have a case pending against me? That really confuses me, because most companies would attempt to collect what could be owed instead of taking a person to court for a small amount as payday loans typically are. Please help me I am a single mother of XXXX boys and work very hard but do struggle to provide and feel that this could be handled differently and I feel that they are using bullying and scare tactics to get more from me then the amount that supposedly was borrowed, when asked for documentation I was basically told that they had already sent the information, but I have yet to receive anything in regards to anything of this nature. I would appreciate a little help trying to clear this up, If I owe something fine, but if this is not something that I owe even if they claim to have all my information that does not mean that I received any money from this place. 

Thank you
Consumer complaint received 2019-04-01
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: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 8, 9, 10 and 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-13
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. (IL)

I have disputed with Experian over 15 times about a negative XXXX XXXX XXXX XXXX that's on my credit report in every dispute I requested a WRITTEN SIGN CONTACT with my signature on it they have Failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair Credit Reporting Act. XXXX and XXXX  have Deleted this idea because they Don't have a SIGN CONTACT WITH MY SIGNATURE on it. How can Experian keep violating the FCRA? I want this account deleted ASAP do to them violating my rights and the Fair reporting act and Not put doosan a written contract with my signature on it
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (NJ)

I was shopping for a pre-owned vehicle with a reputable dealership not too long ago and was denied a loan because although 2 of the big three credit reporting agencies had my scores in line with what I expected, this dealership chose to send my credit application to XXXX Bank who uses a company call XXXX XXXX for its credit reporting. My score is completely low with this small agency and I have never heard of them nor have I given them my consent to investigate my background. 

I had to put a stop with Ally to ever accepting a credit application with my name on it simply because this little company was dragging me down. In terms of how they obtained my score and where this information came from, I have called and written time and time again, to no avail. 

Please stop this, what I see to be, a fraudulent company from continuing to being allowed to partner to large banks. 

XXXX
Consumer complaint received 2019-05-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (CA)

I got a title loan from this company around XX/XX/XXXX, after paying four months for a total of {$1200.00}, on XX/XX/XXXX they took my car without any prior attempts to contact me or email me regarding my being 3 days late. When I called them they wanted a cash payment via XXXX for over {$600.00}. They refused to tell me where my car was and said I would have to go to the police and pay {$15.00} to get the report they filed before they would release its whereabouts, and that I would be charged not only storage fees for the car but separate storage for the personal items inside. I called back the next day and demanded a supervisor who gave me the phone # to the storage company. When I called them I was told I would have to make an appointment for the following day as they did not allow same day pick up. Wilshire credit then sent me a letter informing me that they would auction off my car on XXXX, in a private sale, unless I paid off the amount due. The amount they wanted was {$3700.00} on a {$3000.00} dollar loan, that {$1200.00} had already been paid. According to DMV code section 3072-j the sale must be conducted in a commercially reasonable manner, ( not a private sale ) Since that time I have received no further correspondence from them. This is another violation of DMV code. They are supposed to tell me how much it sold for and provide a list of payouts and send any amounts over the loan to me. This company is very shady.