davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC (WI)

I applied for a solar panel loan through a company called XXXX XXXX. They use a finance company called Solar Mosaic LLC and an installing company called XXXX XXXX. The loan I thought was never to be opened until the end of the project. Turns out a partial payment was included in the contract that I must have missed. There was {$17000.00} released to the installing company. The loan is now open and on mine and my daughter 's ( XXXX XXXX XXXX ) credit reports. We were supposed to get a loan certificate according to what I have recently read that we never got stating amount of this loan and when it started. We only found out about this released loan when we did an annual credit check. We have spoken to XXXX XXXX and they state they can not close the lone until I pay for a Smart Home system that they supposedly paid {$3000.00} for in my name for use later with the panels. This system if I ordered it online from XXXX the company that provided it, would cost {$790.00} at most. Mosaic has been told this however, they state if XXXX XXXX does not contact them and agree to close this loan it is a true and accurate loan. XXXX has not completed the panels at all, instead we had delay after delay that was never explained and therefore my sales Represenitive stated we should change installers and canceled with XXXX. Again no one is canceling the loan, and I have no solar panels on my roof. I need help please, someone got money for no work and a loan sits open on my credit. I also see that this contract is so confusing that I did not realize I would be paying $ XXXX for the solar panels which I think is truly an outrageous cost. I believe I have been take advantage of due to being XXXX and having difficulty understanding this contract at the time. It took me quite a bit of time and my daughter reading the contract to me aloud to realize what I have gotten myself into. This process was started XX/XX/XXXX and the loan became active XX/XX/XXXX but it took till XX/XX/XXXX to realize this loan was on my credit. I do not know what to do at this time and mine and my daughter 's credit reports are taking a huge hit.
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (TX)

Company called and tried to explain that i need to validated debt. The agent/rep was rude and didnt want to hear what i had to say. He continued to ask me for money with out any validation of the debt. 
{$3600.00} on or around XXXXXX/XX/year>
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (TX)

Fraud in the amount of {$420.00} was discovered in XX/XX/XXXX statement on my Discover Business card XXXX XXXX XXXX XXXX. 

Discover credited my account {$420.00} as indicated in XX/XX/XXXX statement. 

In XX/XX/XXXX statement, a transfer balance of {$520.00} appeared on XX/XX/XXXX. When I inquired about this charge, I was told that a mistake had been made and would be corrected but never was. Since Discover would not correct this error, I decided to withhold payment in XXXX and XXXX. My account was then closed and my credit rating was lowered. 

Two weeks ago I talked to the Discover Business fraud department about this matter and was told that a mistake was made on the {$520.00} transfer balance and they would send me a check for the {$420.00} fraud charge. To date, I have not received a check. We did pay off the balance of the account last month. I have been a loyal customer since XXXX and have always paid my statement balance off each month.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-12
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. (GA)

To whom it may concern, I received a copy of my credit report and found the following item to be in error by the provisions of the Fair Credit Reporting Act. I demand this item Ito be investigated and corrected to an " OPEN ACCOUNT '' on my credit report. It is my understanding that you will check this item with the creditor who posted them. I understand that under 15 USC section 1681iA. You must complete this reinvestigation within 30 days of the receipt of this letter. Please send me an updated copy of my credit report. I have paid my mortgage account on time since 2017 and still mailing my money orders in each month. I have enclosed copies of a few on my money orders, with a copy of Notice of Servicing Transfer.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

They contacted me via XXXX to work online on XX/XX/XXXX. 
Registered on NetPeack.com on XX/XX/XXXX. The person they call as a " mentor '' started giving me a training. When I finished the small training tasks, she said to install and use XXXX, XXXX, XXXX to pay about {$70.00}. She taught me how to receive the payment, convert it to XXXX and then again to USD to put in my bank account. 
Then they told me to do more, I needed to pay {$110.00}. Thought that's kind of the lesson fee, so, I paid. 
At the end of the day, I made more than what I paid. But I didn't withdraw that because they require " prepayment '' to start the jobs next day. This prepayment amount is going to get higher depends on what you made and that's the measurement of the level setting. The higher level, the more pay we can get. 

On the XXXX day, there was another type of the tasks which require more prepayment. This one was a training task, so, the mentor paid. 
Later on that day, when I started my own tasks, I got the same type of tasks. Still small amount, so, I paid. 
Repeated this for XXXX more days. On the XXXX day, I was able to keep about {$770.00} in my XXXX account. They recommended me to make a higher prepayment, which is {$1100.00}. I said no. I wanted to keep some money in my XXXX  account for the next day in case I get this higher prepayment tasks. 

Then the XXXX day, on XX/XX/XXXX, I finally convinced this is a scam. Those tasks which require higher prepayment showed up a lot on me. The mentor said there is a limit of XXXX of those tasks. But it wasn't. At the end, I paid more than {$9000.00}. I was planning to withdraw all money and quit once I complete the tasks for the day. But then at XXXX XXXX of only XXXX tasks were left, this higher amount task showed up. This time, it was {$15000.00}. At this point, I was already crying and asked the mentor for help. She just kept telling me to stay calm and look for where I can get the money. She told me to ask friends for loan. I just left the site and she kept telling me to pay the money and keep going. 

They had a chat group and they said they were making a lot of money. Later on, I head those people are also a part of scammers. 

I reported to XXXX on XX/XX/XXXX. Also, hired XXXX people to get back what I paid. Also, I contacted XXXX XXXX and Chase. 
XXXX XXXX once returned money only {$110.00} or so, but at the end, they pulled the money. Chase said they won't do anything. 

I also reported to the local police. XXXX for the report comes out. The case number is XXXX. Reported XXXX XXXX XXXX XXXX XXXX in California, XXXX. 

The site they used is already shut down.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AR)

Due to a lost credit card, we cancelled a Citi card number and had a new one issued. The charges all transferred and were visible online. 
There was a payment scheduled on the original card number, but it was not displayed online, nor was it included in the automated phone account information. 
I called customer service and found out the payment was still scheduled, it just wasn't visible to me. 
That is quite confusing. Had I not called, I would have paid twice thinking the scheduled payment was lost in the transition. 
I spoke with two customer serivce reps and neither could/would escalate my complaint so it could be fixed.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (VA)

I opened checking and saving acounts with Chase Bank as part of a promotion offered by the bank, in which I receive a reward if I fulfill certain conditions. I fulfilled the conditions of the promotion, but after receiving the reward, I discovered that federal interest withheld had been withheld from me. I am a US citizen and am not subject to any withholdings. The bank had no grounds for this write-off. I contacted the bank employee who opened the accounts for me to resolve this issue. She said that the box indicating that I was a subject to federal withholding was checked by mistake. I drove to the bank branch, where the employee and I made necessary changes and she assured me that the amount that was mistakenly withheld would be returned to me and that these payments would not be withheld from me in the future. 
However, on XX/XX/XXXX, the money was withheld again. I again contacted the employee, who promised to resolve the situation, but I was unable to get any clear answer. In this appeal I ask you to oblige the bank to look into this situation and correct the error made, namely to indicate in my case that I am not a subject for federal withheld and return the erroneously withheld amounts to my account : XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ Total : XXXX $
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

Subject : Immediate Cease and Desist Request for Inaccurate Credit Reporting Dear XXXX XXXX I am writing to formally request that you immediately cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my credit report, I identified the following discrepancy : account XXXX XXXX  past due balance {$900.00} This accounts is inaccurately reported as a delinquent account, which is not accurate. 
This error is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions :
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (MA)

Theres an account on my XXXX called Acima Digital FKA Simple Acount # : XXXX for a balance of {$2000.00} with the original balance being {$2100.00} as said by XXXX on my credit profile. This account is a problem account because XXXX  doesnt give me the option to dispute. This is not my account and should be deleted off my credit as soon as possible. Im going to upload a Massachusetts ID card and a Social Security card to help verify my identity. Please delete this account from my credit report because this should be there.
Consumer complaint received 2024-05-09
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. (SC)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (AZ)

I received a phone call from a collection agency ( not sure what the name was since it was early in the morning ) saying I had written a check for {$1500.00} to XXXX XXXX XXXX in XXXX and it bounced and they were attempting to collect the {$1500.00} that bounced. I never gamble, I never go to the Casino, and since this is XX/XX/XXXX, I never write checks. I asked for evidence and hung up the phone. 

I get a letter in the mail from XXXX XXXX XXXX  XXXX XXXX saying I wrote the check XX/XX/XXXX (  I was at work that day ), check XXXX ( my checks don't even have that number sequence on them ). The letter has 3 different addresses on them, a Corporate Office in XXXX XXXX   with a zip code of XXXX, a processing center in the same city but zip code XXXX, and an address in XXXX ( XXXXXXXX XXXX XXXX, XXXX ). When I look at their website ( XXXX ), it's asking for my bank account information, social security number, address, phone number, etc. 

I look up this company on XXXX and everyone is reporting this company who tries to collect on bogus debts is a scam.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

Ive had an open dispute with Citibank disputing charges from XX/XX/24, and as of this week I have another. On XXXX I got an email alert from Citibank telling me my acct was XXXX. I called the bank and spoke to manager named XXXX who told me that due to an error, there were duplicate transactions pending one for {$490.00} and one for {$200.00} ( which were already processed ) also I had to returned items one for {$42.00} and one for {$55.00} and later on a {$200.00} charge returned for no rhyme or reason whatsoever. XXXX assured me and that it was a mistake and would be cleared up. However, that never happened. I never got {$1.00} back from them instead they chose to change around the transaction history and not even include in my bank statements I was ever even negative. Since this happened my credit score went down XXXX points, I was Denied a credit card due to the {$200.00} being the payment. And Now again this month I go to pay my rent on the which is XXXX and its returned 7 days later, however, instead of Citibank using the return funds to cover other transactions, they decided to continue to put me into the negative so that when they were turned back the funds I was still negative and never got back any money. Now I owe over {$500.00} due to the returned funds. Im at my wits end, im XXXX, I live off of XXXX and Im about to get evicted and my electric shut off. The citi respond unit is a joke, theyve been telling me XXXX days since I opened the dispute, and the customer service reps barely speak XXXX and when they cant answer a question correctly, they hang up on you. I had to go line by line and try to figure out everything that Citibank did and changed on my transaction history as well as my statements and as of now they owe me well over {$1000.00}. I need this money. I am in XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2018-04-03
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. (NJ)

I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 )  XXXX XXXX Finance Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} XXXX Remove Account ) 15 ) XXXX XXXX   XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Real Time Group, Inc. (GA)

After multiple attempts to correct my credit file with XXXX, I am submitting this complaint. The agency XXXX Real Time Resolutions ( RTR ), obtained old information ( XXXX  ) from the now defunct XXXX company ; post-XXXX Subsequent to filing disputes, this information has already been removed from both XXXX and XXXX.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I hope this finds you well. I am writing to request information regarding a dispute that I submitted on XX/XX/2023. I would like to obtain details about the dates on which the dispute was received and the dates on which Equifax contacted the respective furnishers for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  What are the names ofthe technicians who conducted the reinvestigation? What are the names of the employees at the furnishers who completed the XXXX and/or XXXX  forms in connection with the disputes? Please provide a copy of the relevant XXXX and/or XXXX  forms for my reference.

I believe this information is crucial for me to better understand the status and progress of my dispute. Your prompt attention to this matter is highly appreciated.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (WA)

I did not open an online account with Golden Sachs Bank USA.I received XXXX different bank statements from them each with a different account number. My name was on each one of them with my address. All these bank statements were in one envelope. I received these statements around the XXXX of XX/XX/2024. This is Identity theft. My husband called their customer service twice and they would not verify anything and hung up on him. they only said they would investigate. They have no fraud department to speak of. they did send out a dispute form but this not a dispute its fraud. one of the accounts had a tax return deposit of {$5900.00}. We did not file this year so I checked with the credit bureaus and found no discrepancies.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: V and H Portfolio (NJ)

+ to whom this may concern : as of the complaint # XXXX dated XX/XX/2024 wherebyVance Huffman indicated explicitly that any and all further collection activity would beimmediately stopped, however it is now come to my attention that they haveflagrantly violated the laws of the FDCPA and FDRPA insofar they have purposelyfailed to fully delete their derogatory credit reporting entry off of my transunioncredit report. I am therefore once again and this is the final straw I am demandingthat Vance and Hufman immediately delete their derogatory listing off of XXXX  credit report AND ANY OTHER CREDIT REPORTING LISTING THAT I MAYNOT BE AWARE OF. SUPPORTING CASE LAW AND DOCUMENTATION ARE ASFOLLOWS IMPLICATING THAT THIS LOAN HAS BEEN DETERMINED TO BE ANILLEGAL LOAN AND THEREFORE VANCE AND HUFFMANN IS IN GROSS VIOLATIONOF THE LAW AND THEREFORE NEEDS TO BE HELD ACCOUNTABLE .... 
****NOTE THIS NEW COMPLAINT IS IN NO WAY SHAPE OR FORM A DUPLICATE OF ANY PREVIOUSLY FILED COMPLAINTS IT IS A BRAND NEW COMPLAINT WHICH IS ADDRESSING AN STILL UNRESOLVED CREDIT REPORTING MATTER IN WHICH vANCE AND HUFFMAN ARE FLAGRANTLY IN VIOLATION OF BOTH FDCPA AND FDRPA IN WHICH THEIR ENTRY IS STILL LISTED ON MY XXXX REPORT WHICH IT MUST BE DELETED IN ACCORDANCE WITH THEIR OWN VOLITION AND ASSERTION THAT ANY AND ALL CURRENT OR FUTURE COLLECTION ACTIVITY WILL BE STOPPED THIS IS WHERE THE VIOLATION IS CONTINUING TO FESTER ON MY XXXX  XXXX REPORT [ I AM DEMANDING VANCE AND HUFFMAN IMMEDIATELY DELETE THIS ENTRY