davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tesla, Inc. (CA)

I am extremely upset with this whole experience. I signed a contract for solar panels to be put on my home through XXXX XXXX, and they did not live up to the contract. Sometime later I was informed that XXXX bought out XXXX XXXX and my contract went along with it. XXXX has been no help, I can not even get in touch with them. I can not find a number for customer service or anything. They simply have a digital post card type deal that you can submit through their website so they can get back in touch with me, but it has been months and I still have not heard anything back. I can not verify any dates or specifics because I want to request a copy of my contract but I can not get in touch with them! I am livid. XXXX has placed a lien on my home because of the panels and I can not even get in contact with them to plead my case. I pray that this helps some because I have not received any help at all from XXXX XXXX or XXXX. XXXX 's website sucks. For being a technological juggernaut, their website is terrible.
Consumer complaint received 2020-08-25
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. (MD)

Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to XXXX, Experian, and XXXX however the information still remains that I have balances on the paid off accounts. 

XXXX ( these accts are all paid off ) : XXXX XXXX  ( # XXXX & XXXX ), XXXX XXXX ( XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after 180 according to law ). XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

XXXX : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code.  This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX insurance for {$120.00} ). 

Experian ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXX XXXX Credit Card ( # XXXX & XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ).
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (OH)

I'm was unaware of this account ( Trident Asset Manageme #  XXXX ) and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My credit score is in the XXXX XXXX. I charge something on my Capital One card every month, and pay it off every month, as I should. Over eight years my credit limit has increased up to {$12000.00} - wonderful, I worked hard to get that card from a {$300.00} limit up to {$12000.00}. Now, they lower my limit to just {$5000.00} because " I don't need that much. '' I have another Capital One card, with a better interest rate. I charge thousands and thousands on that card, and pay it off every single month. I have asked numerous times for a better interest rate on this card in question, they continue to deny it. That is why I do not use this card as much. 

Literally, decreased my credit score almost immediately with the loss of {$7700.00} available credit. I have never paid a single dime of interest on this card - because I pay it off every single month - and this is how I am treated? 

I called them and they said they have had lots of complaints but there is nothing they can do about it. I update my income with them every few months, voluntarily might I add. My income has not changed during COVID, if anything it increased now. There is no reason to punish me.
Consumer complaint received 2020-08-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper assigned a loan specialist for me during my forbearance period. The phone lines don't allow you to enter an extension ( the letter assigning her had an extension ), faxes I sent and messages left for her all went unanswered. In XXXX, I was told if I made some payments during the forbearance period the " investor '' would reconsider my modification application. Three times it was confirmed that I had an application for modification to add the balance owed from the forbearance pending. Finally, today the lady I spoke with said " you were never eligible for a modification once they denied you in XXXX '' and the reason your application shows pending and then does not show up at all is that it is automatically declined without further notification. I was never sent a letter despite the application showing as pending and advising I would hear back within 30 days. I made up 6 months of payments during the past 4 months and paid monthly payments in reliance upon this. With Mr. Coooper, if you press 1 for COVID assistance you are automatically disconnected. I tried on 20 occasions. I spoke to someone at Mr. Coooper who acknowledged it and said, " you figured out to press 2 ''! This company has no intention of assisting people after their forbearance period. I have documented all calls and experiences.
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NJ)

To whom it may concern : I was contacted by Aldous & Associated regarding a contract breach with planet fitness for the amount of {$150.00}. I have not been to the gym in over 6 months. They would not let me in the gym during a virus quarantine in XXXX NJ without a mask on. I can not wear a mask for health reasons. I asked for a breakdown of the charges and they refused to provide that information and said they will report me to creditors and hurt my credit score. Any advice would be greatly appreciated. 

Thank you
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I purchased tires for my car in XXXX of XXXX, I used a credit card XXXX  XXXX XXXX XXXX ending in # XXXX. They sent me monthly statements initially and I paid the bills fine. In XX/XX/XXXX they stopped sending me monthly billing statements, I called and let them know I was not receiving a bill. They refused to send me bills. I'm a senior citizen and I don't use online banking or bill pay or email nor did they mention that i had to pay in this manor. The debt was sold to Portfolio Recovery.They refused to send statements. I filed 2 complaints with XXXX XXXX that I had a right to receive a billing statement and they agreed. The account was resolved at that time in XXXX and it was reported paid in full. Now they calling me and harassing me about paying this debt that was resolved back in XXXX.
Consumer complaint received 2020-08-25
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. (CA)

This is my fifth time complaint they keep responding that the complaint does not appear to be from me. This is an ongoing problem with Experian so I am sending the same request again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX  & XXXX XXXX ) 3. ( XXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX XXXX & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. You keep saying this is factual information when in fact it is not. I did not apply for anything. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. On the previous request Experian did not remove these inquires. Please delete these items. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

On XX/XX/20 Convergent Outsourcing received that I sent a debt validation letter that was sent by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101.  I called Convergent Outsourcing on XX/XX/20 for a resolution and spoke to an male agent who confirmed the information was not sent and asked me what information I wanted I told him that they did not provide the requested info in the required time frame and I would only like for the information to be deleted at this point, he then transferred me to the escalation department who hung up on me. The agency had 30 days to respond to this matter and failed to do so. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following  information to validate debt : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental The original balance The current balance Any fees added by your agency.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (UT)

This all began with a message sent to me through my XXXX  account by a woman named XXXX XXXX 
XXXX XXXX XXXX XXXX.

Eventually she gained my trust to start a self-directed crypto investment account on Crypto.com and Crypto XXXX XXXX. Both of which looked totally legitimate. She was
promising to teach me how to invest in crypto currencies to make profits. She had me start very small with XXXX experiment, which yielded a gain of XXXX. After this I was talked into taking my government Thrift savings account and putting it to work in the same manor. Since I had retired last XXXX XXXX, I could move all my XXXX  monies, XXXX out and into what I thought was totally a safely guarded account of my own on Crypto.com and then XXXX XXXX that I was sole ownership of. After
another set of transactions where I gained 25% profit, she encouraged me to up the amount of earning by taking some loans out that supposedly would be only used for the short term and I would be able to pay back on the short term.
 
These loans amounted to XXXX  on a XXXX XXXX, and XXXX on a home equity loan. Once these came through, I moved them into the same account and waited for her to show me how to make the investments earn profits as before. That didnt happen of course, and she has been quite ever since. My account still shows that I supposedly have all my money there, but now when I go to transfer back, I get a message that
says my funds have been frozen and to contact customer service for processing. When I open the online window and ask for help, there is only one reply which is "How may I help you?"  I then ask for problem resolution and there is never a response to what ever I ask. 

This fraudulent scheme used Crypto.com and Wallet to transfer unwittingly to a supposedly secure self-directed crypto wallet that I thought was using Crypto.com XXXX XXXX, when in fact my funds were sent to this url: XXXX
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had my car broken into. Wallet and phone was stolen. I was stranded and team of con men went to work. Drained the accounts of all the cards in my wallet. Credit card fraud claim was process and everything was fixed. Debit card fraud claim of {$2600.00} has been denied multiple times and Ive probably spent 25 man hours trying to get it resolved. Bank of America call center and no dedicated support is a complete nightmare. No access to fraud investigation team. Ive reopened new accounts at the same bank and have repeated my story about 50 times after submitting a police report and taking all necessary steps. Not sure why this is such a big deal when all 4 of my accounts ( credit card, savings, debit and business debit from another bank ) at the same bank were fraudulently used with identity theft within 3 hours of each other. Bank of America is not treating a 15 year customer how they should be treated.
Consumer complaint received 2021-08-09
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: Risecredit, LLC (MD)

? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = Data Point is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! 

RISE XXXX XXXX XXXX Account # : XXXX I U? 
Account Type : Installment I U?

Account Type - Detail : Unsecured loan I U?

Bureau Code : Individual I U? Account Status : Derogatory I U? Monthly Payment : I U?
Date Opened : I U?

Balance : I U?

No. of Months ( terms ) : I U?

High Credit : I U?

Credit Limit : I U?

Past Due : I U?

Payment Status : I U?

Last Reported : I U?

Comments : I U?

Date Last Active : I U?

Date of Last Payment : I U?

Two-Year payment history Month 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 2019-10-22
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (GA)

I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION REPORT. 

1.Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. 
XXXX XXXXPlease remove it from my credit report. 
2.the following account is not mine. 
XXXX XXXX ( original creditor : XXXX XXXX ) Please remove it my credit report. 

3. The following account is inaccurate Delete from my credit report. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) Please remove it from my credit report. 

4..Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. XXXX : Please Delete it from my credit report 5.The following account is inaccurate : XXXX Please Delete it from my credit. 

6.The following account is inaccurate : XXXX XXXX Account number : Please Delete it from my account. 

7.The following account is inaccurate : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete it from my credit report. 

8.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete from my credit report. 

9.The following account is not mine : XXXX XXXX  : Please delete from my credit report. 

10.The following account is inaccurate : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Please delete from my credit report.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I submitting this request to inform that I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-09
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. (VA)

They took longer than 30 days to get back to me. I submitted a dispute on XX/XX/XXXX to dispute the inaccurate and incomplete information that Equifax furnished on my report. After getting the generic it is verified letter, I then submitted a CFPB complaint because Equifax has continuously decided to break federal and state laws, especially 15 USC 1681 and that is just naming the one I know most about. They have continuously changed information from month to month and they have not bothered to do a real investigation like the law says. I have a detailed list of violations that Equifax has racked up while doing and reporting whatever they want. 

They also mention in another complaint, after 45 days of NOTHING that the information I presented does not match what they have in their records which shows to me that there is a CLEAR MIX UP or there is no way they did an investigation in the past, because how can they report information without even knowing it is me. I submitted a complaint on XX/XX/XXXX and they responded back on XX/XX/XXXX, asking for more information. They would not need this information if they did the investigation they say they did. They also had a data breach in XX/XX/XXXX, which is when this information started reporting on my account inaccurately. This is my final attempt before I look to have a lawyer assist me in court for violations and damages afforded to me by federal and state laws. I will use these violations to possibly collect the maximum amount of damages afforded to me under the process of the law and I do not settle.