davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC (FL)

Litigation for fraud filed against Mosaic approx 6 months ago. Around this time Mosiac Solar refused a phone payment stating account holder " is in litigation ''. Then Mosiac Solar stopped sending the customary paper statements that account holder received monthly using those to make payments. Account Holder could no longer access account online. Account hold has never signed up for auto pay or paperless billing with Mosaic Solar. Account Holder requested several times a copy of statement and asked for account status in past 6 months calling in to Mosaic 's customer service line. Mosiac never informed of any account status or balance and never sent statements. Mosaic Solar has reported account holderXXXX, XXXX and XXXX  days late to XXXX and account holder believes Mosaic Solar and XXXX violated regulation F as well as FRCA because account holder has never received statements informing of these delinquencies nor ever gotten any verbal communication from Mosiac Solar in an attempt to collect a debt. This has caused much emotional distress and financial distress to the account holder. XXXX has been made aware of the situation and continues to report the delinquency.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am writing to formally file a complaint against XXXX XXXX XXXX regarding issues related to the reporting of my information to credit bureaus, specifically XXXX and Equifax. 

I am an account holder with XXXX XXXX XXXX. I have encountered significant problems resulting from what I believe to be inaccurate reporting, particularly in relation to a 1099-C charge. This situation has caused considerable distress as it is hindering my ability to apply for credit. For example, when attempting to secure a vehicle loan, I was informed that I needed an excessive {$12000.00} down payment. 

Despite my efforts to seek clarification and resolution through communication, specifically via an email sent on XX/XX/XXXX, and XX/XX/XXXX I have not received any response from XXXX XXXX XXXX. The lack of communication has exacerbated my emotional distress and financial difficulties. 

I am bringing this matter to the attention of the Consumer Financial Protection Bureau, as I believe XXXX XXXX XXXX 's actions may be in violation of consumer protection regulations, including those outlined in the XXXX974 Privacy Act. I request the Bureau 's intervention in investigating and rectifying the inaccuracies impacting my credit report.

I appreciate your prompt attention to this matter and request that the Consumer Financial Protection Bureau investigates this complaint thoroughly. I am hopeful for a resolution that ensures the accurate reporting of my credit information and the restoration of my financial standing also Equifax said XXXX are the the only one that keep reporting my credit.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I'm writing this complaint today because XXXX student loans from XXXX are currently being inaccurately reported on my consumer report. I have reached out a multitude of times in regard to the matter and XXXX  still to this day refuses to be in compliance with the law. I have attached the necessary correspondence below that outlines the violations XXXX is currently exercising against me.
Consumer complaint received 2022-11-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My credit score with TransUnion decreased by XXXX points in a matter of a month and nothing about my credit profile and spending habits changed. I am not late on any payments, I am not over charged on any credit accounts, and I pay all of my credit bills on time. I applied for a business credit card thru XXXX Bank, and after they ran a hard inquiry, I was docked XXXX points.
Consumer complaint received 2017-05-15
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. (NV)

XXXX , Equifax and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   credit card. I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX   report for comparison. I have highlighted the information that is incorrect.
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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 2023-10-31
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. (NY)

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, XXXX and TransUnion 1st : Account Name : XXXX XXXX XXXX  Account number : XXXX XXXX : Account Name : XXXX XXXX  XXXX  Account number : XXXX XXXX : Account Name : XXXX XXXX  Account number : XXXX XXXX : Account Name : XXXX XXXX  Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies.

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was denied a low income loan to obtain a city habitat low income cooperative. I was denied because the credit bureaus refused to fix my credit. False reporting of seven credit cards in 2017. Remarks of delinquency and derogatory charge offs and late payments remain on credit too long over seven years almost twenty years. I lost the only benefit of housing opportunity that will remove my homeless status in society. These credit bureaus are inefficient and unable to report accurately cause detrimental destruction in individual persons lives.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

2 late payments for XXXX of 2023 was put on my credit report inaccurately. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
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. (LA)

The Creditor XXXX XXXX XXXX  is not licensed to collect a debt in the state of XXXX  per the nmls consumer access they are not the collector of a debt that start with XXXX XXXX XXXX the moved to XXXX XXXX XXXX then moved to this office but XXXX XXXX XXXX is reporting negative collections on my credit report when I call number listed on Experian XXXX XXXX XXXX states they no longer have my file and they can not access my records and I need to call the law office of XXXX XXXX XXXX XXXX. So if this law office has my file how are you legally reporting information to Experian and XXXX and how is XXXX and Experian verifying a debt that is no longer being reported to your office how was this debt for national credit verified and validated if another collection agency has the same account after reading so many complaints about this law office and national credit system I dont understand how an full investigation on their collection tactics and bad business practices by XXXX XXXXXXXX XXXX and the reporting agencies such as Experian and XXXX have be investigated for failure to comply with the FCRA requirements and laws Might I added supporting stated a balance of XXXX when I began to dispute the balance as Inaccurate and incomplete which is violation of 15 usc 1681 questioning why is XXXX they sent a document with added a fee on XX/XX/2022 of XXXX as a collection fee. I also spoke to XXXX XXXX XXXX contact XXXX at XXXX XXXX of XXXX XXXX XXXX pc she supplied me with his email bc she was also confused as where the additional XXXX was added from I sent multiple emails on my concerns and there was no response i later called back and she was very unconcerned and ready to Release the calls when I pointed out the violation of the FCRA laws bc it was time for them To leave for XXXX  Day weekend instead of attempting to Right what has been done wrong to my rights to a fair and complete and accurate credit report Per the Nmsl consumer access website
Consumer complaint received 2024-03-31
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-31
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. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX  XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-03-31
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Since XX/XX/XXXX, Chase Bank has closed my account and has not returned the remaining {$18000.00} in my account. We need to live! We no longer have any money to live on! It has been 6 months and my money has not been returned yet! The answer they give is always to keep investigating! we need money to live
Consumer complaint received 2023-06-02
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX, # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
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. (MO)

This is XXXX XXXX and I am submitting another CFPB complaint as a follow for the previous CFPB complaint I submitted last XX/XX/2022. I discovered that some of the information being reported on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected as soon as possible : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$460.00}. Also, I would like to request that the credit Bureaus send me copies of proof of veriication as a result of the XXXX XXXX investigation.
Consumer complaint received 2024-03-31
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. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Late XX/XX/2018 I went to check my account and found out that I owned Bank of America {$4000.00} dollars. I was shocked to see that I owe the bank money. So I called the bank to see what was going on. They told me that I owned them {$4000.00}. The bank told the check was counterfeit check. I told the bank I had know ideal that the guy I worked for at the time paid me with a counterfeit check. I bank just told me there sorry but their is noting that they can do about it. They said it s call a good faith check. Telling me I have to have faith that the person or company haves the money in there account. I told they I don't have the money to pay them back. The bank told me I can make payments for XXXX every two weeks started in XX/XX/2018. I told them I can pay them XXXX every to two weeks. So they have closed my account.
Consumer complaint received 2017-05-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Borrowers mortgage loan is delinquent. They received a Notice  of Default and Intent to   Accelerate on  XXXX   XXXX ,  2017 . The letter referenced a Loss Mitigation  Specialist available to provide additional information. Borrowers called that day and were on hold for over half an hour. This is not the first experience where they were unable to speak to a Bayview representative. Borrowers have previously been on long holds, calls not answered, or disconnected. Borrowers also dispute Bayview 's accounting to cure the default. Borrowers have conducted their own accounting of amount due to cure the default. The borrowers ' accounting is a lot lower than the amounts stated by Bayview  on  XXXX   XXXX ,  XXXX , and  XXXX  ( all written stated amounts are different ).
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALPHA MIDCO INC (TX)

I looked up my credit report and I have 2 collections account from XXXXXXXX XXXX XXXXXXXX. One for {$1700.00} and the other for {$670.00} on XX/XX/XXXX for a company in Washington called Sapientes Funding II LLC. I have never lived in Washington nor have I ever had any kind of business loan. It brought my credit score down XXXX pts from good to fair.