davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (NC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, TransUnion and XXXX 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 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Names on Account : XXXX XXXX, XXXX XXXX Account Number : XXXX Dear XXXX XXXX Customer Service XXXX XXXX XXXX Department : Please review your records and find that my account is current. I have been a loyal customer to XXXX since XXXX. Please find that aside from the late payment in XX/XX/XXXX, that I have never missed a payment. 

Please find that my account remains in positive standing upon approaching the end of my lease in approximately two months. 
My payment for XX/XX/XXXX, was 35 days late which I resolved when I brought my account current in XX/XX/XXXX. 

The 35-day late payment for XXXX was not marked as late/missed on my credit report. However, my credit report shows that I have a late/missed payment for the month of XX/XX/XXXX in error. My XXXX payment was not 35 days late as reflected on my credit report. 
Due to the inaccuracy of the report, taken with my current good standing and history of my account, I am requesting a courtesy removal of all remarks of missed/late payments reported to credit bureaus for both account holders. 

ACTION : Please review my account and DELETE missed/late payment for the month of XX/XX/XXXX reported to ALL credit bureaus for both account holders.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to XXXX, XXXX and TransUnion. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to TransUnion XX/XX/2022 tracking # XXXX Letter mailed to XXXX XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.
Consumer complaint received 2022-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KS)

I submitted employer certification signed by my employer certifiying government employment for XX/XX/XXXX through XX/XX/XXXX for the PSLF certification on XX/XX/XXXX. FedLoan Servicing only updated XX/XX/XXXX as eligible/qualifying payment and refuse to update the other month as qualifying. I have contacted them several times about this issue and they still have refused to fix the issue. I am confident I am not the only victim of their inability to process the certifications properly. 

I have also submitted employer certification with proof of employment for an emergency management company for the months XX/XX/XXXX through XX/XX/XXXX, also in XX/XX/XXXX. The employer is a single owner who refuses the signed the form for personal reasons against me. They continue to refuse to process this PSLF application or provide a reason for their refusal. I spoke with a representative and submitted additional documentation in XX/XX/XXXX, including XXXX 's for XXXX and XXXX. They continue to refuse to process the form and update the payments.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

As has been raised in a previous claim under number XXXX before that bureau, I have been the victim of identity theft and successive theft of funds in fraud that have not been attended by CHASE, despite multiple claims filed via secure message and phone contacts. After processing said claims and waiting for a response from CHASE, without having online access to my bank accounts that appear blocked for me after multiple reported fraud events. Today XX/XX/2022, I received an electronic communication from CHASE to my email registered with the bank, asking me about sending the amount of {$19000.00} to a beneficiary named : XXXX  XXXX XXXX, XXXX, which I never made. As indicated in the same message, the limit established by me for transactions of this type is {$100.00}. Said message shows that my bank accounts continue to be affected by the previously reported fraud, keeping me unable to access my accounts and communicate with CHASE because, before my identity was stolen by telephone, another person impersonating me seems to have a telephone code that I never requested. to the bank.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (GA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Alorica Inc. (IL)

I received a random charge on my account in XXXX. In XXXX, I received a notice in the mail of late payment and logged in promptly to pay. I paid the bill in full in the amount of XXXX online. I did not receive any more mail from SST, nor did I receive another late payment notice. Yet on XXXX was reported late to the credit bureau. When I called customer services, was told that the payment did not go through for some reason. They also indicated that they tried to reach me via phone, but did not have the right phone number. In all other cases they have sent me mail, but in this case they did not. I feel like they intentionally did not try to reach me or do their due diligence to reach me. When I saw the alert on my credit report, I immediately logged into their website and paid in full.

I would note that this card has a XXXX  balance, and has been fully paid for over a year. The charge that was made in XXXX was a random fee, and not initiated by me. Both in XXXX and in XXXX I have again paid the balance in full but was still reported as 30 days late to the credit bureaus. 

I would also add that their online process for payments is confusing. You must press Yes I want to make a payment 4x and press submit and then press submit over and over again. I believe that they have configured this intentionally, so that people will not make the payments. They also do not offer an automatic payment process. 

Yet, again I have been reported as late for a charge I did not initiate.
Consumer complaint received 2022-08-10
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. (FL)

I do not know XXXX - XXXX company nor ever did business with this company. You have failed to provide me with a copy of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Upon challenging this account XXXX deleted this account based on the lack of ability to properly verify all reported information being accurate and verified. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are you not practicing Metro 2 Compliance? If such documents can not be produced please DELETE this account from my credit report immediately! Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX - to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized dacument does not constitute verification.
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CA)

My husband and I financed through Mosaic for a Home Improvement Contract with a General Contractor. The loan is in my husbands name. We were approved for a $ XXXX line of credit. The contract we signed with the contractor was for {$23000.00} and we gave them a {$1000.00} cash deposit leaving the balance of the loan a total of {$22000.00}. On XX/XX/XXXX we received an email that Mosaic had issued a payment to the contractor for {$12000.00} which was almost 54 % of the total and the contractor didn't even start the job until XX/XX/XXXX. California Code, Business and Professions Code - XXXX XXXX says : " IT IS AGAINST THE LAW FOR A CONTRACTOR TO COLLECT PAYMENT FOR WORK NOT YET COMPLETED, OR FOR MATERIALS NOT YET DELIVERED. HOWEVER, A CONTRACTOR MAY REQUIRE A DOWNPAYMENT. THE DOWNPAYMENT MAY NOT EXCEED {$1000.00} OR 10 PERCENT OF THE CONTRACT PRICE, WHICHEVER IS LESS. 
After 10 days of working on my house. The contractor abandoned the job on XX/XX/XXXX and refused to fix the substandard work. I called Mosaic and told them not to make any additional payments to the contractor and asked why they paid them so much in advance and they said it was standard that they pay the contractors 30 % upfront.. I called them many times over the next several weeks and they hung up on me multiple times and kept telling me my case was with a different department and they would get back to me in a few days and never got back to me. On XXXX I spoke with someone about cancelling the loan. The representative told me they would have to contact the contractor first. I asked what happens if the contractor does not agree to cancel the loan and she told me they would reach out to me for more details and do their own internal investigation. On XX/XX/XXXX I received an email saying " We received a response to your cancellation request from XXXX XXXX. They have informed us that your project will continue. Mosaic will close this cancellation case and will continue with the current loan. '' The bank has been very difficult to deal with and is more interested in protecting the substandard contractor than helping the consumer because this is the way they make their money.
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Advantage Finance, LLC (OK)

I was trying hard to get a part time job and I got it. I started to work yesterday. I called them Auto Advantage was rude and unforgiving. I had a few debts to pay and want to work. I paid {$240.00} the first of this month. I knew they have a program to pay your payment in 2 pay period I called them yesterday and they told me what they wanted ona letter from the employer. It was done and emailed to them. Then this woman told me it wasnt good enough. She said I had to get permission to do that and I could not. I get paid twice a month and I was so happy I could pa this in my first pay Check. They said no and if I dont come up with XXXX XXXXXXXXsoon and quick. I will lose it I also could lose my job. 

Please help. I dont want to put my job in jeopardy please.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MO)

A new credit account was created under my identity by an unknown person. Identity theft sent me an alert and below are the details of the transaction. I advised to report the issue on this platform. 

XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX Type of Credit Rental Agreement Account XXXX XXXX XXXX XXXX {$0.00} Credit Bureau Equifax XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' I.C.System Inc. '' a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.
Consumer complaint received 2022-08-10
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. (FL)

I do not know XXXX XXXX XXXX company nor ever did business with this company. You have failed to provide me with a copy of any viable evidence, bearing my signature, showing this account is mine and being reported accurately. Upon challenging this account XXXX deleted this account based on the lack of ability to properly verify all reported information being accurate and verified. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. This is a clear FCRA violation. Date Open is wrong, Last reported is wrong, Date of Last Activity is wrong is a violation. Are you not practicing Metro 2 Compliance? If such documents can not be produced please DELETE this account from my credit report immediately! Please verify this account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by providing all the information below or delete 1. The name, address and phone number of each person you spoke with that varified this account or delete ; 2. Balance and all payment history I have supposedly submitted, what the payment is for or delete ; 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed contracts with me and XXXX agreeing to their terms or delete ; 5. Provide payoff discllosures, interest rate disclosures ; 6. Provide collections ; license number and court documents that allow XXXX - to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are they collecting on the original account holders behalf or delete. Be aware that a printout of a bill or itemized dacument does not constitute verification.
Consumer complaint received 2022-08-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fay Servicing, LLC (MO)

My son 's house was going to be foreclosed on. we contacted Fay Servicing and made arrangements to bring the debt up to date. I send them three checks, one was in the amount of {$50000.00} ( A cashiers check ), one was a {$15000.00} personal check from my son and the final was my personal {$5000.00} check. Fay Servicing notified us that they did not accept personal checks and we needed to have our bank wire the funds to them which we did, and the loan was brought current. But even though they said they would not accept our checks they went ahead and tried to cash them. The Cashiers check was returned not cashed. My son 's {$15000.00} check was stopped at his bank. But my {$5000.00} check slipped through and was cashed. My son has called Fay Servicing several times attempting to get the {$5000.00} returned and was told each time that this would be taken to committee to see what would be done, but they have never received a answer. I have called but was told they could not talk to me. I wrote them a letter on XX/XX/2022 But have not received a response to date. Fay servicing has and is using {$5000.00} of my money that should have been retuned to me..
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Consumer complaint received 2022-08-10
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. (PA)

Equifax is in direct violation of my CONSUMER RIGHTS! On numerous occasion I've spoken with representatives to have inaccurate accounts removed. I spoke with XXXX and she informed me the items would be removed with 24 hours. That was not the case so I called back and spoke with XXXX who reassured me the itms would be removed in 48 hours. To date the inaccurate accounts are still on my Consumer File. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX closed Credit Card acct ending in XXXX. 
In light of recent investigations brought upon Equifax I find that my consumer file is being irresponsibly tampered with. I've made several attempts to remind their company of your duty pursuant to XXXX5 usc 1681. It appears they're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( b ) assures that I am due, promised accuracy in my report based on Federal Law. 15 usc 1681 c ( 2 ) BLOCK of information resulting from Identity theft is my RIGHT AS A CONSUMER. Reporting of these inaccuracies is hindering my HOUSE BUYING process.