davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC (CA)

To Whom it May Concern : I am writing to you with grave concern over a situation involving a solar company, Mosaic, and their unjust and predatory lending practices. I am seeking your immediate assistance to address this matter, as it has caused severe financial and emotional hardship for me. 

In XXXX, I initially contacted Mosaic, a solar company, to explore the possibility of installing solar panels on my home in XXXX XXXX, CA. Subsequently, I submitted some preliminary paperwork. However, the situation took a drastic turn in XX/XX/XXXX when I was informed by an engineer that my home had defects that could result in it being red-tagged. Under this circumstance, I was advised to halt any home improvement projects, including the solar installation. 

Understanding the gravity of the situation, I promptly contacted the solar contractor to inform them of the developments. It is important to note that no permits were pulled, and no solar panels were installed. Despite this, I have shockingly found myself burdened with collections from Mosaic for a service or product that I never received or accepted. 

What compounds the issue is that I live in a homeowners association ( HOA ) community, where any project would require explicit approval and sign-off. In this case, I did not proceed with the project or accept any loan associated with it. To my astonishment, Mosaic is reporting inaccurate and unjust information about a loan I never agreed to or signed for. This is a direct violation of my consumer rights and completely unjustifiable. 

California laws are stringent when it comes to safeguarding consumers against predatory lending practices. In my case, not only has this false reporting damaged my credit, but it has also hindered my ability to secure financial assistance for other vital needs. I have invested months in disputing this erroneous information with all three credit bureaus, yet I have seen no progress in removing it. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf and address this issue with Mosaic. Their actions not only defy ethical business practices but also infringe upon my rights as a consumer. I have been unjustly victimized by this situation, and the financial implications have been devastating. 

Your urgent assistance is crucial to rectify this matter and bring Mosaic 's unfair and predatory practices to light. I am counting on the CFPB to uphold the rights and protections of consumers like me and ensure that justice is served. 

Thank you for your immediate attention to this matter. I eagerly await your response and guidance on how we can proceed to rectify this unjust situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-25
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and it's listed on my credit report : XXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (GA)

A request for verification was sent to NCB Management Service onXX/XX/XXXXwhich was received on XX/XX/XXXX Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted NCB Management Service via  telephone at XXXX XXXX and spoke with NCB rep at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the XX/XX/XXXX day, I informed NCB Management Service via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (OK)

( NOTE that the account and routing number belong to UMB BANK, NA -- see attached files, CFPB1 & CFPB2 -- first shows the unreasonable hold representing all but {$2.00} of the balance of the account, and second, the ledger from other bank, showing that UMB/XXXX  received the funds on XX/XX/XXXX in-full and without question ) On XX/XX/XXXX, I initiated an ACH transfer through my XXXXXXXX XXXX XXXX  account ( underlying bank is UMB, NA ) from another bank to UMB/XXXX  This was done through UMB/XXXX portal ( an ACH " pull '' so it seems to be called ). The funds were debited from the other bank and UMB/XXXX  was in full receipt of those transferred funds by the next day, XX/XX/XXXX, according to records provided by the other bank. Despite full settlement within 24 hours, and my clean record and excellent credit, UMB/XXXX chose to silently place a THREE WEEK hold on the entirety of my funds, not allowing me access to even a XXXX of it until next month! How am I supposed to make informed decisions, live and pay bills with such egregious conduct occurring? Not only am I unable to pay my bills and buy food to eat as a result of these actions, the bank is USING MY FUNDS TO THEIR BENEFIT AND WITHOUT MY CONSENT for the better part of a month! 

Not only must this unjustified, extremely unreasonable conduct cease at-once, but I call on the CFPB to investigate and also involve members of congress ( banking committees ) , as well as the Federal Reserve , to place limitations. Historically, the longest hold was for checks at ( up to ) seven days. UMBXXXX are placing holds that are TRIPLE or more that length of time!! A telephone agent complained about fraud, but I have never been a fraud concern. I'm in the highest-tier of possible credit, my address and information remain the same, I am about as predictable and reliable as a customer gets. It appears that UMB/XXXX are engaging in such egregious and harmful behavior only because they aren't being subjected to checks and oversight. Apparently there are no rules and they are taking advantage of that situation to the bank 's benefit!
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

On XX/XX/23 I made a purchase for {$69.00} under the assumption I would receive my merchandise in the mail in 2 business days or less after the item was shipped as that is what I paid for. On XX/XX/23 the item is shipped ; on XX/XX/23 the item was delivered. I contacted the merchant and was denied compensation or any form of resolution and was told there was nothing they could do. I would not have consented to the transaction if the delivery dates would not be upheld. After this, I filed a dispute with my bank ( Bankmobile vibe with accounts provided by customers bank ) and explained the situation. After having the case dragged on as long as it could. The merchant sent in documentation supporting my claims ; first would be proof of delivery that shows the delivery dates were not honored, two, would be the call records and employee notes showing that I have been in contact with the merchant and no resolution or compensation has been reached, and three, the receipt showing the days I purchased the item, the day the item was shipped, and the clarification that I specifically paid for 2 business day shipping. Immediately upon receiving this information Bankmobile fraudulently denies my claim with the following message, " You state that merchandise was not as described but the merchant states goods/services were provided. As a result, we are unable to pursue this matter and will be closing your claim. We recommend you contact the merchant directly to attempt to remedy your situation. '' There is nothing the merchant provided or in this message that refutes my claims or validates the merchant. The merchant simply states that goods/services were provided and did not refute my claims or acknowledge them and sent irrelevant documentation that my OWN bank did not read or validate in any way. I have several voice recordings of bank mobile employees validating my claims and visual aids as well. I have left a visual aid and two bank employees validating my claim.
Consumer complaint received 2017-10-05
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2017-10-05
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. (MS)

I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX regarding debt validation of an account that is reported on my consumer credit report with Equifax, XXXX, and XXXX. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.
Consumer complaint received 2023-09-25
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/ a third party check was deposited into checking account in the amount of {>= $1,000,000}. The deposit was a third party cashiers check. Once deposit was made, it was immediately placed on hold. I was asked to come inside of a physical banking branch with my identification and I did. After that I was told that I would have to wait on funds to be released. Since XXXX XXXX XXXX my entire account balanced has been placed on hold and as a result I have been incurring a {$5.00} monthly fee. I have reached out to the bank on several occasions and have been told that someone would get back to me. Its now been 21 months and I haven't had access to above mentioned funds. Given the state of the economy and my financial situation I am being and have been adversely affected due to the unavailability of funds.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

My state tax lien is being reported on my equifax & XXXX credit reports. The reporting does not abide by the XXXX lien reporting rules, there is an incomplete social security number and no date of birth.
Consumer complaint received 2023-03-10
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. (NM)

At the end of 2022 I noticed an unauthorized credit card account from XXXX on my credit report. I immediately contacted Experian, who promptly removed the fraudulent account from my report within a couple of days. They froze my credit and added an identity theft alert. 
Shortly after, at the beginning of XXXX I saw a personal loan from XXXX on my credit report, without any inquiry appearing from when the loan was applied for. I again immediately contacted Experian to dispute the unauthorized account. This time the dispute was denied, and Experian explained that the information was verified with the lender. If I felt this was in error, I could reopen the dispute, but I would need to file and Identity Theft Report with the FTC and try to contact the creditor. I did both. However, when I reached out to the lender, they said they could not assist me unless I emailed them from the email used to obtain the loan, which is clearly impossible. 
Furthermore, Experian required that I upload not only the Identity Theft Report on their portal but also my government issued ID and a bill or bank statement. I obliged, yet continued to receive emails saying that they could not honor my request and to submit all this verification. 
I elected to call and proceeded to wait on hold for 40 minutes to speak to a supervisor. I was eventually informed that one was available and that I would be connected. After about 10 minutes of dead air the call was disconnected.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

Hello, The MOHELA Payment Calculator has been down for over XXXX weeks now causing me to be unable to pay off any of my loans. I want to pay off the entirety of XXXX of my student loans, however, I am completely unable to due to MOHELA 's " under maintenance '' Payment Calculator being required to be used to do a loan payoff. 

I have tried to contact customer service on Monday, XX/XX/23 and Wednesday, XX/XX/23, however, wait times are extreme ( over XXXX hours ) and I have never received a callback despite asking the automated service to have a customer service agent call back. 

I have looked elsewhere online ( XXXX, XXXX, etc ) and many other borrowers have the same issue. I have interest accruing on a loan I want to payoff because MOHELA 's systems are down, which is frustrating, doubly so that MOHELA has provided no timeline as to when this will be fixed and I am unable to get in touch with customer service. 

Thank you for your assistance is resolving this issue.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (PA)

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 : 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 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 Ace 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. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc. (TX)

I saw a collection account on my credit from Stellar Recovery. It sates that it is for utilities and not who it is with. I do n't owe any utilities. I sent a validation request to Stellar Recovery and they are not responding to me at all. it has been three months and they still are not responding, but they are still reporting this on my credit. I was never notified by them that this debt even exists or that they were going to put anything on my credit or what my rights are. Stellar Recovery is in violation of the Fair Debt Collection Practice Act
Consumer complaint received 2023-03-10
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. (IL)

You all reported a late payment Credit transactions are exempt from being reported to damage consumers. 

See 15 Usc 1666b Late payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus This is an {$1000.00} violation charge for this.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

This account was closed in XXXX as never late. They continue to act as the account is opened. And are reporting to the credit bureau 's as if the account is open. According to them the account was closed on XX/XX/XXXX. The balances are reporting different amounts as well. 


I have documentation and it will not let me upload it. Please contact me with email or link that I can send it to if necessary
Consumer complaint received 2023-09-25
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. (GA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2017-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (FL)

I have not had or used a Discover Card since 1999. Pursuant to Florida Statute below, they had only five ( 5 ) years to attempt to collect this debt. I continue to receive calls from whatever entity purchased the Discovery Card debt - and this is now unenforceable and these calls are now harassment. I want to file a complaint against Discover Card for continuing to contact me and attempting to collect from me which is in clear violation of Florida Debt and Consumer Laws. This debt is over THREE TIMES past five year maximum amount allowable under the law ( pasted below ). 

Title VIII LIMITATIONS Chapter 95 LIMITATIONS OF ACTIONS ; ADVERSE POSSESSION View Entire Chapter 95.11Limitations other than for the recovery of real property.Actions other than for recovery of real property shall be commenced as follows : ( 2 ) WITHIN FIVE YEARS. 
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. 
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23 ( 1 ) ( e ), and except for an action for a deficiency judgment governed by paragraph ( 5 ) ( h ). 
( c ) An action to foreclose a mortgage. 
( d ) An action alleging a willful violation of s. 448.110. 
( e ) Notwithstanding paragraph ( b ), an action for breach of a property insurance contract, with the period running from the date of loss.
Consumer complaint received 2017-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Delta Management Associates, Inc. (MD)

Today, while attempting to work on payment terms w
ith Delta Management Associates regarding my apparently delinquent XXXX XXXX Student Loan acc ount, I simply requested to know the dates which my account would be automatically debited for the agreed upon amount. Delta was only willing to provide the dates via phone not in writing. Furthermore, Delta provided an agreement that listed a due date ; which is not the date we agreed for payments to be drafted from my account. Delta 's unwillingness to provide dates in writing about when they would take money from my account is highly suspicious to me and calls into question the professionalism of their operation. I already have serious doubts about many things Delta discussed with me, but their unwillingness to provide this information, highlights these concerns.