davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (GA)

Title MAX XXXX contacted me by phone.I filed complaint proir to having issues before i paid out. ( Since my last complaint ; local office kept distasteful effort into me resigning for a new loan ; which I Refused verbally & by action. There is NO LAWS that require me to sign anythang from any company ) I informed XXXX rep of my situation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX rep. told me to send {$100.00} per month before XXXX I received my XXXX  payout before that date. I paid directly the titlemax in full like I told XXXX rep i would upon receiving my money. Titlemax have refused by action to send me my title release from XXXX by mail to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have tiltemax has had any other correspondiente communication with me. I avoiding waking in the office & any other communication due to stress, uncomforable physically and verbal communication with this company. It been more than XXXX weeks. Tiltemax has stopped communication period. When is my title beginning to get released???? Still in my possession email/screenshot that loan is PAID IN FULL... .Will release documentacin upon request only
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

This is seriously alarming, there appears to be information that has been mixed with my credit report, this account keeps appearing on it which isn't mine. This is misreported, and this error has been affecting my life negatively causing me undue stress and sleepless nights with my new credit applications being denied because of this.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-15
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. (AZ)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I AM A VICTIM OF IDENTITY THEFT IVE LISTED ALL FRAUDULENT INQUIRIES ON THE ATTACHED FTC REPORT ***PLEASE READ THE FTC REPORT IN DETAIL****
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX  account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-15
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc. (NM)

Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern, Because your Website and System does not call XXXX ( XXXX phone numbers ) I am not able to Create an Online Experian Account and have to Order my Credit Report via Mail. 

Because your Website and System does not call XXXX ( XXXX  phone numbers ) I was unable to Cancel my Credit Freeze. I had to cancel my Credit Freeze by USPS Mail. I Added My Credit Freeze VIA Mail but I did Not Receive A Letter with my 4 digit Pin which was needed to make changes to my Credit Freeze. 

Also, I am Not Able to Open an Account with Experian since Your System Does Not Call XXXX  Telephone Numbers. I Do Not Have a Smart Phone or Text Messaging. 

XXXX and XXXX allows me to do everything On-Line as they have a Simple Verification Method using Email to give me the Codes For Access. 

Experian does not call XXXX XXXXXXXX Telephone Numbers so I cant do anything On-Line. Millions of people in the USA use XXXX Telephone Numbers. 

SUGGESTED SOLUTIONS I suggest that Experian Update their Website to XXXX XXXX Telephone Numbers and also Add Sending an Email to Authenticate and provide access Codes. I prefer Experian to Add Email Authentication as it is the easiest method. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XX/XX/XXXX I was reviewing my consumer report and noticed that there was a lot of false information and outdated information on there. I reached out to the 3 Credit Reporting Agencies XXXX XXXX, Experian, XXXX ) for as long as two years with no responses to my letters. numerous rounds of letters I've committed my time towards. My first round of letters started on XX/XX/XXXX and ended on XX/XX/XXXX. I've wasted nothing but time, money, and energy that got me a case full of neglect against my consumer rights.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kovo (GA)

This account was opened XX/XX/XXXX and paid as agreed. It was closed on XX/XX/XXXX. Now it's showing up on my XXXX, XXXX, XXXX and XXXX XXXX accounts as an adverse account and it's adversely affecting my credit profile.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (ME)

I am a XXXX year old XXXX XXXX XXXX, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My XXXX is very poor and my future is bleak! 

I have received a communication from Convergent Outsourcing Inc. telling me that I owe {$6700.00} from XXXX through XXXX, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MN)

I filed a paper request for my credit report and have been waiting more than 3 weeks. I have not received a response of any kind. Last year, I attempted to request my credit report the same way, and also did not recieve any reply.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Galaxy Capital Acquisitions, LLC (ME)

I am a XXXX year old XXXX XXXX Veteran, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My health is very poor and my future is bleak! 

I have received a communication from XXXX XXXX XXXX telling me that I owe {$6700.00} from XXXX through Galaxy Asset Purchasing LLC, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!
Consumer complaint received 2015-09-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (PA)

On XXXX/XXXX/2015 I went to TD Bank at XXXX to withdrawl money thru ATM. I first tried to get {$300.00}, but I got messege that I was over daily limit which confused me since I had only made deposit earlier in the day. Since I got messege I decided to try {$200.00} and was able to get that and got a reciept which included my balance. I contacted the XXXX branch when I got my monthly statement and was told by Assitant manager they would look into it since they were having problems with machine. I just got letter saying they did n't find error and would not credit me. I find this hard to believe since I have reciept for my withdrawl and you would think a bank can add and subtract properly. I am looking at what courses of action I must take to protect me from this banks erroring ways so I am filing this official complaint, and/or filing theft charges against bank with police and hiring legal reprsentation to protect me.
Consumer complaint received 2015-09-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

I am in the process of foreclosure with Citimortgage. I filed a complaint with CFPB on XXXX/XXXX/15 because my lock was glued shut. Citimortgage replied, but did not fully address my concerns. They denied gluing my lock shut and wrote : " You acknowledged and advised that no further assistance was required. '' Their statement is simply NOT TRUE. I NEVER said that no further assistance was required. My house is scheduled to be sold at auction on XXXX XXXX and my lock is still glued shut. My fence is still screwed shut. I have NO ACCESS to my house. The notice posted on the door told me to call XXXX, which is Citibank 's number. If Citibank did n't do it, then who did it? Are they asking me to believe that someone else came to my house, glued my lock shut and left a note to call Citibank in case of questions? There are still XXXX pieces of furniture inside the house, as well as my appliances. I want Citibank to either install a new lock and allow me access to my house or reimburse me {$1000.00} for the appliances that I am not able to get out of the house. If they do not install a new lock, I want Citibank to agree in writing that the house no longer needs to be in " broom swept condition '' for the {$5000.00} cash for keys offer to apply, since I can not go inside to sweep it and remove the last XXXX pieces of furniture as I had planned to do.
Consumer complaint received 2024-08-08
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. (OR)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-09-29
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc (CA)

Hi, I originally spoke with a manager XXXX XXXX at AD Astra Recovery Services and made an arrangement to pay off my debt ( XXXX ) in exchange for them removing the debt. So I paid off the debt {$310.00}, but they are refusing to remove them from credit reports. When I paid the debt I sent a letter ( below ) with a cashier check and in the memo line of the check I wrote ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ). They cashed the cashier check on XXXX/XXXX/15. But again they will not remove it, they say I did n't pay it in time. 

( This is a copy of the letter I sent Ad Astra Recovery Services minus my name, account number and address ) XXXXAD ASTRA Recovery ServicesXXXX XXXX XXXX XXXX XXXX XXXX . XXXX, KS XXXXAc XXXX To whom it may concern, ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ) To whom it may concern, As per my conversation with your customer service representative, I am following through with my pledge to settle this debt in exchange for its removal from my credit report. Henceforth, I am attaching a check for $ XXXXto pay off the referenced account under the condition that the account will be removed in entirety from all the credit bureaus your company has reported this account to. 

If the implied conditions to delete or not verify are not acceptable to you, please kindly return my check. In the event that you cash this check and not remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office and proceed with filing suit. 

Truly, XXXX
Consumer complaint received 2015-09-29
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ditech Financial LLC (AZ)

On XXXX/XXXX/2015 at XXXX I was contacted by someone stating that they had a criminal complaint and were looking for XXXX XXXX. The person on the phone verified my contact information and stated the an officer was coming to serve me the next day. I informed the gentleman that I do not have any reasons to have any criminal complaints against me and said sure I will be here. He then asked " did the attorneys contact you, at which I replied no. At this point, I told him that I did not have time to play games with him. He put me on hold to supposedly get the attorneys and I hung up. I XXXX the number that he called from which showed up on my caller ID and it was listed as the fax number to the Arizona Superior Court in XXXX XXXX - Juror Information. Less than a week after this call I received a letter from GreenTree Servicing referencing a debt that had passed the statue of limitations and was removed from my credit report. The letter was dated XXXX/XXXX/15. Once I received the letter I called the phone number listed and it was the exact same person that called trying to threaten or scare saying that I had a criminal complaint saying someone was going to my house looking for me. I told him that as far as my knowledge this was no longer on my credit report and had been taken care of. I asked him to send any documents that he had verifying the debt and I would look it over with my attorney. Which GreenTree did not. Their letter states that the consumer has 30 days to submit proof. The entire actions of Greentree servicing from the start was deceptive and misleading in nature.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Khoury Alternative Claims Management (NE)

I rented a rental car from XXXX at the XXXX XXXX XXXX XXXX location. At the time I rented the car, the XXXX representative at the counter informed me that there were small scratches on both the front and the rear bumpers. She informed me that the scratches were notated on the paperwork and " not to worry ''. When I returned the rental car, the representative asked me about the scratches. I informed him the scratches were on the vehicle prior to me picking up the vehicle. I received the attached letter dated XXXX/XXXX/15 from XXXX XXXX - V.P. from XXXX stating I would be receiving a letter from Alternative Claims Management. I called XXXX at the number on the letter ... left a voice message ... did not receive a return phone call. I received the attached letter dated XXXX/XXXX/15 from Alternative Claims Management stating I had 30 days to dispute the claim. I sent the attached letter of dispute dated XXXX/XXXX/15. Since XXXX XXXX, or no one from Alternative Claims would return my phone call to discuss this claim, I faxed the attached letter to the XXXX Customer Service phone number from my XXXX Member website where I made the reservation, On XXXX/XXXX/15 I received the attached letter from the XXXX Customer Service Representative stating she could not help me. On XXXX/XXXX/15 I finally received the attached letter from Alternative Claims Management stating they received my dispute but that XXXX was still confident the damages to the rental car occurred while it was in my possession. On XXXX/XXXX/15 at XXXX I did receive a call from XXXX at Alternative Claims Management offering to settle the claim for {$180.00}. I wrote the attached letter dated XXXX/XXXX/15 saying I continue to dispute this claim. I have been a XXXX Member ( # XXXX ) for several years and have rented from numerous XXXX locations. The XXXX XXXX XXXX XXXX location is the worst run location I have dealt with and in talking with other XXXX customers, they have come to the same conclusion.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (VA)

I applied for a mortgage loan to comply with a divorce settlement to remove husband from the deed of trust in which I had to buy him out. Wells Fargo set this up as a refinance with my ex-husband 's name on the mortgage and deed of trust even though I specifically told them it was for my name only and gave them a copy of the signed separation agreement. At closing ex-husband 's name was still on the documents. I was told at closing that I had to sign as is in order to get the interest rate and avoid other penalties. I lined through ex-husband 's name in order to get through the closing. Please see attached for timeline of events.