davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (TX)

The agents of a solar company ( The XXXX XXXX XXXX ) came to my house to pitch solar and advised they could get their partner, Mosaic to finance the project for {$51000.00}. This was back in XX/XX/XXXX. The company received the project money from Mosaic and disappeared without completing the project. All efforts to reach them have proved abortive, I have also brought this to the attention of Mosaic but it appears Mosaic is covering up for the solar company and no one is helping to get a resolution. Mosaic wants me to continue paying for a project that was not completed as agreed and threaten to non-payment will affect my payment. I have been making payments of {$190.00} to Mosaic, until XX/XX/XXXX when I realized Mosaic was not doing their best to ensure the project they are financing is completed. 

I have attempted to resolve the case through arbitration but the XXXX XXXX XXXX 's address on the contract seems to be fake as all the mails. I have attempted to serve them letters through the United States Postal Service were returned undelivered. I have called, texted, and emailed all the representatives and agents of the company, but they ignored and no one has responded to complete the job. Since over XXXX months now I have not been able to use the solar and I keep making payments to Mosaic. 

The point of wanting solar for my home was so that I could reduce electricity bill. But this situation has left me paying XXXX bills now ; XXXX to XXXX for the uncompleted solar project and the other to my electricity company. The solar company appears to use me to get money from their business partner, Mosaic and disappeared without completing the job. I also have a family friend who is also a victim of this vendor/ business fraud. 

I have asked Mosaic if they could get another company to complete the project so I can use the solar but no response has been received. They just keep telling me they are waiting for the Solar company to respond, since XX/XX/XXXX, I have been complaining to them. I am frustrated that I have to endlessly make payments to Mosaic without knowing when I can use the solar and they just keep threatening that my credit score will be impacted if I don't pay for a project I am not benefiting from. 

I have attached the notice of breach of contract to the company and Mosaic which they never responded to, failed mailing attempt to reach the company, contract documents and emails thread with both Mosaic and XXXX XXXX XXXX. Please let me know if you need additional information. 

Thank you,
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$650.00}
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am formally disputing the recent update to my credit report on XX/XX/ 2024, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$2300.00}, which exceeds the original credit limit of {$2000.00}. This reporting is both inaccurate and misleading, as it reflects a utilization rate of 117 %, despite the account being charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXXXXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXXXXXX XXXXXXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. 
Furthermore, I request verification that XXXX XXXX is still the legal owner of the debt. If this debt has been transferred or sold, XXXX XXXX should not be reporting it, in accordance with FCRA 15 U.S.C. 1681s-2 ( b ). I also dispute the current payment status, marked as In Collections/Charge-off with a past due amount of {$2300.00}, since this account was closed and charged off on XX/XX/ 2024. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is incomplete, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks stating " Charged off as bad debt ; Dispute resolved, '' as I do not agree with the resolution of my prior dispute. These remarks are misleading and should be removed, as per FCRA 15 U.S.C. 1681s-2. I request a thorough re-investigation of all the account details, including the balance, creditor status, payment status, and remarks. I ask that all inaccuracies be corrected or removed from my credit report. Please provide written confirmation of the results of your investigation and a valid contractual agreement containing my full signature to substantiate this debt.
Consumer complaint received 2020-07-08
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX {$650.00}
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Coinbase, Inc. (PA)

XXXX disabled my debit card in XXXX without any reason specified. Following a phone call, they corrected the issue and I was able to use the debit card again. The message was " Our team has completed our investigation and has determined that your account meets our criteria to be unblocked for use. '' A few weeks later, the card was again suspended. I again opened a case ( # XXXX ) and the response received was " We completed our investigation of one or more recent transactions which violated our Cardholder Agreement. We've determined that you do not meet the criteria to unblock your card. '' I have repeatedly asked to know what what transactions are in question and which part of the card member agreement is in violation. Per the Terms is Service for the debit card, I am entitled to investigation documents upon request - I formally requested this information and my requests have been ignored.
Consumer complaint received 2024-10-11
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus.

I have not applied for any type of credit with XXXX XXXX.

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the credit bureaus.
Consumer complaint received 2024-10-22
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. (CO)

Experian, XXXX, and XXXX are reporting information that I have not given them permission to. 
According to 15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization and I did not and will not give any creditor or credit reporting company the right to add negative information to my consumer report. 
I AM NOT ASKING ABOUT THE VERIFICATION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ASKING EXPERIAN, XXXX, AND XXXX TO PROVIDE DOCUMENTATION THAT I HAVE GIVEN MY WRITTEN PERMISSION TO REPORT NEGATIVE ITEMS ABOUT MYSELF. 
According to law, if you can not provide this, you must cease and desist immediately
Consumer complaint received 2023-06-03
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. (OH)

n accordance with the Fair Credit Reporting act XXXX 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 -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equilfax XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DC)

I have two loans serviced by Specialized Loan Servicing ( SLS ) after my loans were sold to this company. I have both my taxes and insurance payments in escrow with the company. 

I received notification from my insurance company indicating that my coverage lapsed for non-payment. I also received a notification the week prior from SLS indicating that an Escrow Analysis indicates a shortfall of around {$350.00} and my new payment amount to accommodate the shortfall. This is not unusual for this company. However, it is unusual for them to NOT make the payment. I only found out about this because the insurance company notified me. SLS then contacted me and said that they have learned that my property is uninsured and if they acquire insurance in will likely be more expensive. 

I contacted the insurance company directly and paid {$520.00} to immediately reinstate my insurance and they notified SLS of my coverage. SLS then contacted me and said that unless I can prove that I was covered during the lapse period I will be responsible for a {$120.00} fee. 

Their behavior is outrageous and needs to be investigated.
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding inter time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX to whom it may concern This letter is my formal written request for you to investigate the following & quot ; Unverified & quot ; accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Complaint : The Equifax Credit Bureaus has failed to verify the account listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ).

Background : I filed a dispute with Equifax per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded this account be Verified or Removed immediately : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Additional Facts : Certified Dispute Letter Received by Equifax : XX/XX/2020, at XXXX XXXX ( See Attachment ) Deadline to provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Equifax has failed to provide Verifiable Proof that meets the standards of FCRA , and this account remains on my Equifax credit report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have an alleged collection on my credit report from Capitol One Bank from XX/XX/2018and it is mark as a derogatory mark but I have Never ever in my life banked with them and do not know why this is on my account? They have an alleged collections on there for {$520.00} dollars but I have never opened an checking or credit banking account with them At All. I do not know if I have been a victim of Identity Theft or what but I know for a fact that I have not tried to bank with them nor have i ever and would please like this removed from my account because it is hurting my score.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (TX)

On XX/XX/XXXX I reached out to the cc company to tell them my card had been inactivated. The lady on the phone told me that there was a credit from XXXX XXXX but no debit to apply the credit to so the card was inactivated for potential fraud. I was then told to email my receipts for the credit and debit to an email address. This was a recent tool rental and return so the receipts were easily available. I scanned and emailed the receipts to the email on XX/XX/XXXX. I was told to give them 4-6 business days. The lady I spoke with did not speak clear XXXX, which brings me to the next call. On XX/XX/XXXX I called again due to my card not being active so that I could check the status. I was told on that day that they did not show that they had received my documents. The man I was speaking with gave me the email address again, which was different than the original email I was given. I sent the second email on XX/XX/XXXX and was told to give them another 4-6 business days. I called on XX/XX/XXXX to verify they received my documents and to give them 4-6 business days to process. On XX/XX/XXXX my card was still not reactivated. I sent a threatening email and also called them. I was told the documents had been received on XX/XX/XXXX and that they would contact the " back office '' to expedite my card being reinstated. On XX/XX/XXXX, I called again due to the fact that my card still was not activated. The man I spoke with told me he had gotten a supervisor involved and an email would be sent demanding the reactivation. He asked me to give them 48 hours and my card would be good to go. Today is XX/XX/XXXX. My card is still not activated. I just called and was hung up on. I called a second time to be told that I needed to wait another 4-6 days. When I began to get irritated, the lady told me that there was nothing else that she could do and when the " back office '' gets it reactivated, that they will contact me to let me know. Meanwhile, it has been a month since my initial call. My stimulus money direct deposited on this account is unavailable for me to use, and I can't get anyone to help be get it.
Consumer complaint received 2024-08-19
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (UT)

A XXXX XXXX XXXXXXXX credit card was opened in my name on XX/XX/year>. This was the first of many attempts to open credit cards in my name. I disputed all others and all others were found to be fraudulent. I then froze my credit to ensure no others could be opened in my name. I had understood that this card had been resolved, but it was used sometime in XXXX. I realized this when my credit score dropped XXXX points for a late payment I didnt know about. I dont even have a way to pay the bill off if I wanted to. I dont know what else to do, I cant get through to anyone to even cancel the card. I will be taking this to the police as soon as possible as well. Please help. This isnt my account and my credit history shows that Im never late on any other accounts and never have been.