davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (CO)

I paid off the owed {$260.00} balance via debit card on my MoneyLion charged off account on XX/XX/year>. Upon disputing it for inaccuracy to reflect that it is paid and closed on all 3 consumer bureau reports and providing proof of payment, moneylion closed the disputes and reported that the {$260.00} still has yet to be paid.
Consumer complaint received 2023-12-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I attempted to use my card to purchase gifts for my family on XXXX and the card kept declining. In an attempt to access my money I tried to send it using different money sending apps but none of them worked, the card is worth {$100.00} but because of the attempted purchases I have XXXX cents taken for pending transactions
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (CA)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engel haloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-05-14
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Solar Mosaic LLC (PA)

The solar installation was canceled in XX/XX/2023 by XXXX XXXX because the township wouldn't issue a building permit and they have refused to properly notify Mosaic of the cancelation so the loan can be properly canceled by Mosaic. Accordingly the loan remains on my credit report effecting my credit score as an outstanding debt.
Consumer complaint received 2024-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PRIMARY RESIDENTIAL MORTGAGE (RI)

I have been paying my mortgage the same way with the same account number for years. In XXXX, just before XXXX I received an email from my bank stating that Primary Residential Mortgage returned my payment due to " no account ''. I immediately called the bank and PRMI twice. On the second call to PRMI, they informed me that they must have been updating the computers and to just manually send in a payment and it should be fine moving forward. I have since received several emails stating my checks have been returned. I have called PRMI multiple times with no resolution. The last representative I spoke to told me that me being upset was uncalled for, I was beside myself. This could be devastating to my credit history! I asked to speak to her superior and after a hold she returned to say someone was going to call me back, that never happened. I reached back out to my bank and a rep XXXX offered to do a XXXX call with PRMI and we have tried XXXX separate times on different days to complete a call yet nobody answers the phone now. I am in a desperate situation because my own mortgage company is not able to tell me why all of the sudden I do not have an account yet my mortgage has not been sold.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc. (CA)

I am writing to express my frustration regarding the delay in receiving the Cause of Loss document from the Tesla Insurance Team. I have been waiting for this document for almost one month now, and its absence is hindering the resolution of an important matter regarding my totaled vehicle.

As my vehicle was involved in an accident and deemed a total loss, the Cause of Loss document is crucial for the completion of the process. My insurance company, XXXX, requires this document to close out the gap side of my vehicle. 

Despite multiple inquiries and follow-ups, the Tesla Insurance Team has not been efficient with their service and has yet to provide the necessary document. This lack of responsiveness and delay in fulfilling such a basic requirement is highly disappointing. 

I urge the Tesla Insurance Team to prioritize this matter and expedite the delivery of the Cause of Loss document without further delay. Your prompt attention to this issue would be greatly appreciated.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC (IL)

I have been making consistent payments since XX/XX/2023 so that I can pay off my credit card balance. I am asking the credit card company to close out my account with a final payment of {$77.00}. The balance continues to increase and I have been increasing the payment amount to {$50.00} and {$100.00}. I need my credit score to reflect my payments.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MS)

Destiny /FB Credit Card is on my account fraudulently the account has been opened since XX/XX/2023 Ive reported the issue several times to the credit bureau I need this item disputed off my ASAP Ive submitted a copy of my drivers license and ss card
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Central Holdings, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2024-01-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (IL)

I received a check from XXXX Bank I deposited into a high yield Amex Savings account I had opened. I had to link a external account in order to fund the account prior to depositing the check I got. Maybe a week later I tried to transfer the funds to my external account from the Amex savings account. The transfer was reversed due to Amex Business review. I called the representative and was told that the freeze was removed I tried to schedule another transfer which was also reversed due to Amex. I can the fraud prevention team and was told to submit bank statements to prove my name was on the external account I was trying to transfer funds from. I provided the required documents and then upon speaking to another representative I was told Amex decided to close my account. I was also told they would not release my funds at first so somehow the account is closed but my funds remain in the account. When I spoke to another representative they told me the only way I can get my funds back was to have the bank that issued the check ( which was XXXXXXXX XXXX ) recall or do a stop payment on the check. I called XXXXXXXX XXXX and spoke to multiple supervisors they told me they can not recall a check that Amex has already accepted as a deposit or put a stop payment on it because Amex already accepted the deposit. So I called Amex with XXXX on the line and we did a three way call because I needed XXXX to explain to them that they cant recall or do a stop payment on the check. During the three call a Amex representative actually said that because I deposited a physical item which was a check that Amex should be able to send me a physical item and that the only time that the option would be to recall the funds is if it was a ACH transfer. I passed the verification in order to process the request to send me a check for the funds in the accounts Amex supposedly closed. I was expecting a check but I called back a week later and they denied the request to send my money back from a account that they closed and froze. They already verified me so I was puzzled then they didnt give me a explanation as to why the denied the request to send me my funds on the closed account. There is no legal way that they are just be able to hold my funds for ransom like this I tried to get a supervisor to call and try to help me. Then once I called back I was told that supervisors have the option to call you back if you open a escalation so all the escalations I opened were being denied buy the supervisors so I never got a call back. They are illegally holding my funds the bank that issued the check cant recall the funds and I have a email as proof. Theres no way they can close my account and keep the funds In there. Please help as I am also seeking legal help for the remaining funds being held in the account they close and not being issued back to me
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

On XX/XX/2024, my final payment to Navient for my student loan was to be paid via autopay from my bank act. A couple of days prior to the amount being removed for payment, I checked to make sure the full amount I was scheduled to pay covered the full amount remaining on my loan. I double checked the payoff amount if the loan were to be paid in full that day and then compared it to the amount that was shown to be removed from my act for my auto payment. On the XXXX, 3 days after my final loan payment was done, I saw a lower amount was taken out than what it stated was for the total payoff amount, and that I had another auto payment scheduled for XXXX. It also showed that I had a balance of {$0.00} left on my act. So out of pure disbelief - I paid the remaining amount, {$0.00} from my bank act on the XXXX. Navient has since received my payments and shows both have posted to my act when I checked today, the XXXX of XXXX. But what really threw me for a loop was that the loan still showed open, still showed a scheduled autopay for XXXX, and still showed that the act was in repayment when in fact the act had been paid in full. Once the company receives the final payment, and post it to the act, how are they not closing the act or changing the status of the act to reflect the accurate status? The loan is no longer in repayment because it is paid off. 

I called a Navient and was told that they require that the acts show that they are still open and in repayment for 2 months after the last date of payment. WHAT!?!?!? That they need that time to season the payment?? How is this legal??? I have never had a lender keep the act open, and have it show an inaccurate payment status for 2 months after the date of the last payment??? Not only that but it was still reflecting as to have scheduled auto payments for the future! I was told from a customer service rep that they keep it open so they can adjust the act over two months? No. Once the payment has posted to the act, there is no reason to be adjusting anything. If there was an overpayment, then cut me a check but show the act is closed and its in good status! 

What really concerned me was the fact that they changed the auto payment amount to a lesser amount and then still showed I had a balance owed on the act!!?! How can that happen??!? I had to make an additional payment of {$0.00} on my act to pay it in full!!! This is not the only loan Ive had in my life but the most ridiculous loan Ive ever dealt with. If the payoff amount reflected the same amount that was owed, online- why would they change the amount of money they took for the payment that already showed it was pulling out the total amount shown under the payoff amount and then they change that as the payment is coming out so I still owed money on the act and they could still gain money from interest and missed payment fees on the act. This is absolutely ridiculous.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (AZ)

Early Warning is reporting incorrect and/or inaccurate information about me and my banking information and is full of errors. 
The The Fair Credit Reporting Act ( FCRA ) law for inaccurate reporting states that Inaccurate, incomplete, or unverifiable information must be removed or corrected. Also, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Early Warning is required to report 100 % accurate and correct information of each consumer. My personal information is being reported inaccurately. My banking information and history are being reported by Early Warning inaccurately. I would like my personal information, my banking information and my banking history reported 100 % accurately. Any information that is not accurate, complete, verified and 100 % correct must be removed. 
I also request that any Bank and any inquirer that I did not expressly give written consent to report to Early Warning be REMOVED from my report. Otherwise the written consent with my wet ink signature is here by requested. In case that written consent is not received the account must me removed.
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (CT)

They are charging me triple the price for this car. XXXX being charged XXXX for a car with the value of XXXX. My interest rate is way too high. XXXX being charged 19 % interest which is way too high. XXXX in an XXXX down loan with way too much negative equity. The car is barely running and the dealership or any dealership cant do anything about it because of the negative equity. I feel as if I was scammed
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (FL)

XXXX XXXX is trying to collect on a debt that was discharged by the Federal Government. 
See attached 1099 cXXXX XXXX XXXX does not investigate the debt before it starts collection activity.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is trying to collect on a debt that was discharged by the Federal Government.

See attached 1099 c. Portfolio Recovery does not investigate the debt before it starts collection activity.
Consumer complaint received 2023-09-22
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. (CA)

I am submitting this complaint to bring attention to the serious violations of the Fair Credit Reporting Act ( FCRA ) associated with the XXXX XXXX XXXX XXXX  charge-off account on my credit report. The inaccuracies and discrepancies in the reporting of this account have resulted in significant harm to my creditworthiness and financial standing. 
Upon reviewing my credit report, I discovered substantial inaccuracies pertaining to the XXXX XXXX XXXX XXXX  charge-off account. These inaccuracies specifically concern the dates associated with the account, including the date opened, last reported date, and last active date. 
The inaccuracies present on my credit report are in clear violation of the FCRA, a federal statute designed to protect consumers from inaccurate credit reporting. The specific FCRA sections and clauses that have been violated include : FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX XXXX XXXX account constitute a breach of this obligation.

FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation.

FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumers credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
These legal violations have not only compromised the integrity of my credit report but have also infringed upon my rights as a consumer. As a result, my creditworthiness has been severely affected, making it challenging to access credit and financial services.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a claim about a charge i did not make and did not receive anything from that charge that i could return if i have received it. They denied my fraud claim and I cant afford that charge im currently not working.
Consumer complaint received 2024-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (FL)

First Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Pay your account online at www.payfcs.com To unsubscribe from future emails, click here. First Collection Services has provided your notice below. 

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

Depending upon your internet connection speed, your notice may take a few moments to render.

I do not have a debt with XXXX XXXX XXXX. I have not lived in Oklahoma in two years plus, when I moved out I had paid my bill in its entirety. This is a false debt collection claim and misrepresentation of myself and the company.