davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC (TX)

In XX/XX/XXXX, XXXX XXXX submitted a loan request to a vendor for my solar panel project and the contract was never signed. The loan request was incorrect with $ XXXX in monthly payments with incorrect loan terms of 5 years. We brought this to the attention of XXXX XXXX XXXX and they advised that it was canceled. They provided a new contract with the correct loan time line of 25 years we signed and for nearly a year now, We have paid the correct loan on time to Mosaic Solar. 
We recenly recieved a notice for payment on the contract that was initially created in error dated from XX/XX/XXXX to start payments on XX/XX/XXXX. We have been in communication with Mosaic and they say we are still obligated for payments to the contract that was in error until our solar installer called them. Additionally, I receive notice that a payment was due for the INCORRECT loan amount that was supposedly canceled. This has been reported to my credit; there are TWO active loans in my name when there should only be one. 
Mosaic needs a cancellation form from XXXX XXXX. I called XXXX on XX/XX/XXXX and requested a status update. They advised they would call me by that Saturday with an update. I didn't receive that call. On Thursday XX/XX/XXXX and waited for 10 minutes for an agent to pick up the phone. I called again Monday XX/XX/XXXX at XXXX CST and waited for 30 minutes before I opted to leave a voicemail requesting a call. At XXXX XXXX  CST I called again and waiting for 31 minutes but was never offered voicemail or a call back. I called again on XX/XX/XXXX and waited 5 minutes until prompted to get a call back when an agent was available. On XX/XX/XXXX I requested an update via email. I had gotten replies about this issue on XX/XX/XXXX, so I had hoped my XX/XX/XXXX follow up email would prompt a response and the response I received is that they want to increase the loan amount by {$2000.00} due to some error on their end, not cancel the loan as needed. 
Needless to say communication has been difficult and XXXX XXXX and Mosaic Solar instead of communicating with each other have us playing the middle person in an error of thiers and neither company is taking responsabilty to resolve the isue we have communiacted by phone and in written emails to both companies.
Consumer complaint received 2016-05-28
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: W.J. BRADLEY MORTGAGE CAPITAL (MN)

I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.
Consumer complaint received 2024-05-28
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: LEXISNEXIS (TX)

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX  TX XXXX. There are several names and name variations on my consumer file and addresses as well. I dont give LexisNexis permission to report anything other that what I have stated. 
LexisNexis keeps stalling by stating they can not confirm my identity but I have attached my identity to each complaint. This is your 7 day notice to comply with this notice or consider this your legal notice.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX, I closed my credit card account with Bank of America. I was told over the phone when closing my account that there would be no residual interest that I would need to pay. I made sure of this by asking the person on the phone multiple times before closing my account because I did not want to pay the residual interest. 

Three months later, in mid-XXXX, I got the first email from Bank of America saying I needed to pay residual interest. I thought this was spam or a possible fraud so I did not respond. Later that month, I saw a 96 point drop in my credit ore for that month.

I called Bank of America to get all of this sorted out and they continued to say it was my fault and that I needed to pay them. I paid them while submitting a complaint and filing an appeal. I also sent an appeal to XXXX  on my credit score.

I have not heard back from Bank of America and it still shows on my account as one missing payment.
Consumer complaint received 2021-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Sent Carrington Mortgage request for mortgage assistance because I have been affected by Covid-19. Spoke with Carrington Mortgage customer service XX/XX/2021 was told my mortgage assistance request was in processing and no other document was needed at the time. received property foreclosure letter from foreclosure attorney saying sale date for my home is XX/XX/2021 and my loan was sold, and my new servicer was XXXX XXXX. I have not received a letter from the new servicer or Carrington stating who my new servicer was. I haven't received the accelerations of debt letter from Carrington Mortgage or a denial letter for the mortgage assistance request. Recently submitted all requested documents.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 XXXXXXXXXXXX XXXX XXXX # XXXXXXXX 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 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA has locked us out of account now for over 4 weeks. 

USAA can email us statements, promos, other info but mysteriously the allusive security code emails do not come. 

USAAs own IT personnel can not find a solution even provided a verbal password which they verified was entered correctly but alas the account stays locked. 

Account ending in XXXX Member ID XXXX Pin XXXX Last 4 of SSN XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (CO)

" PayPal '', " PayPal Credit '' & " Synchrony '' Customer Support have repeatedly committed Felony Fraud to Illegally Discriminate against me for requesting Handicap Accessible Accommodations regarding making payments to my " PayPal Credit '' & " PayPal Cashback Mastercard '' accounts with PayPal. 

They advertise that users can make these payments over the phone, on their webpage & with their phone apps, however their website & phone apps only allow users to directly link a bank account and draft payments straight from said linked bank account. 
This forces consumers to call in and provide their debit card information to a Customer Support Agent over the phone, with the CS Agent then processing the payment. 
They provide no option for users to make payments directly with a debit card unlike their advertised policies even though they clearly have the capabilities to do so. 

They also don't provide consumers access to their full, unobfuscated account numbers either on the website, phone app or even in account statements. 

This itself is a Federally Illegal & Fraudulent Business Practice. 
Combined with their Customer Support repeatedly refusing to acknowledge my requests for accommodations they have acted in an egregiously Discriminatory manner in violation of the ADA Title III Sections XXXX XXXX XXXX  For individuals with Disabilities who aren't always able to just pick up the phone and call in to make a payment, this often results in additional fees being charged to the consumers account.
Consumer complaint received 2024-05-01
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. (NJ)

I am filing a complaint regarding the mishandling of credit disputes by XXXX and TransUnion. These disputes concern inaccurate charge-off information reported by XXXX XXXX XXXX XXXX Despite providing substantial evidence contradicting the reported information, the credit bureaus concluded their investigations by simply verifying the data provided by XXXX XXXX XXXX without adequately considering my provided evidence. 

Detailed Account of Dispute and Responses : Initial Discovery and Dispute Submission : XX/XX/2024 : Identified discrepancies in credit reports from XXXX and TransUnion regarding an auto loan marked as a charge-off with an outstanding balance of {$10000.00}, reported by XXXX XXXX XXXX . 
Submitted detailed disputes to both bureaus with supporting documents, including payment records and correspondence with XXXX XXXX XXXX that disputed the charge-off status. 
Credit Bureaus ' Responses : XX/XX/2024 : Received responses from both XXXX and TransUnion. Each bureau stated that after their investigations, they found the information provided by XXXX XXXX XXXX to be accurate and made no changes to the charge-off entry on my credit reports. 
Actions Taken and Documentation Provided : Provided payment histories and detailed chronological correspondences with XXXX XXXX XXXX, attempting to correct the financial records. 
Highlighted discrepancies in the reported balance and status directly to the credit bureaus through formal dispute letters. 
Impact of Inaccurate Reporting : The erroneous charge-off on my credit reports has severely affected my credit score, leading to credit application rejections and potential financial harm due to increased interest rates on new credit applications. 
Concerns Over Investigation Adequacy : The responses from the credit bureaus suggest a lack of a thorough investigation into the disputes, as they did not address the substantive evidence I provided that contradicts XXXX XXXX XXXX reporting. 
Request for CFPB Intervention : I am requesting the CFPB 's assistance to ensure a thorough re-investigation of these disputed entries. I believe the credit bureaus have not fulfilled their obligation under the Fair Credit Reporting Act to perform a proper investigation and to maintain accurate and verified information on my credit reports. I seek the CFPBs support to rectify these inaccuracies that have resulted in significant personal and financial distress.
Consumer complaint received 2023-10-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (GA)

I was contacted on XX/XX/2022 at around XXXX by XXXX XXXX and was asked that I return her call. Upon me returning the call, she informed me that this was an attempt to collect and settle a debt on behalf of my landlord. I was unaware of why the landlord would be seeking payment after the court judgement was issued so she stated that the balance was due to unpaid rent and needed to be settled. I asked her to please provide me with a debt validation on the breakdown of the charges and I will follow up with her upon receiving it. Instead of providing me with the statement to my email, she sent over an email that stated I was refusing the debt and no further questions will be needed. Within two weeks later she had the debt amount of {$11000.00} placed on my credit report without providing me any documentation of the charges. I recently was going through some mail and came across the itemized statement that was mailed to me certified on XX/XX/2022 from the management company. The amount owed stated a balance of {$8600.00} which has now made me question why did the balance magically grow over {$3000.00} and was reported to my credit as such. I believe this collection agency is illegally swindling me by falsifying debt amounts.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (NC)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$880.00}, XXXX XX/XX/2023
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-03-08
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. (OH)

I did some recent investigating on my credit report and noticed some err and inaccuracies and accounts that are mot mine and I want of deleted off my credit report.

in accordance with fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % correct.

the credit reporting agencies stated that these account were properly investigated and came back as verified. HOWEVER. How is this true when there are several inaccuracies showing on my report.

I KNOW MY DAMN RIGHTS as a consumer, I r
equest to know all steps to know all steps that your agencies took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

I have several accounts at JP Chase Morgan. When I opened accounts with an employee who is no longer employed he assured me I would have no fees. We have business accounts that XXXX XXXX XXXX dollars in them and he said they would be linked and no fees at all. Without telling me he signed a number of my other business accounts up as platinum accounts with {$95.00} a month fees. Multiple times I have gone in to get these fees fixes and yet I continue to be charged fees. He refunded some of them but now the branch says they are limited by how many fees they can refund. Multiple times I have had to go into the branch to try to get these fees refunded and the accounts fixed or linked so I would not have fees all without success. The XXXX, FL branch promised multiple times to call me back and no one does.
Consumer complaint received 2021-09-28
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: CITIBANK, N.A. (NY)

thes accounts are not mine. please remove it. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

". Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-05-18
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. (AR)

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that you conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies. With this, I am asking for your assistance to remove the 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
Consumer complaint received 2023-07-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I began the loan Assumptions process with my current mortgage lender, Dovenmuehle back in XX/XX/XXXX post divorce. I submitted all required documents in XX/XX/XXXX and told the entire process takes about 6 months total. As of today, XX/XX/XXXX, I have inquired multiple times as to the status of my loan. I am getting responses that my requests are being escalated to the underwriter but the underwriter doesn't seem to be working my file. I am growing exceedingly frustrated as I would like to know if I am approved or not. I have been responsive and timely. Dovenmuehle has not and continues to delay my loan for small things like me failing to write in my loan number on the loan application in an area that clearly states to be completed by the lender. I fear they do not have the competence to complete my request nor the courtesy of keeping me informed along the way. I am beyond frustrated and would appreciate an answer within 30 days.
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First Recovery Solutions, Inc. (MI)

keep getting calls from XXXX, when I talk to a representative to explain I do n't know who they are looking for, they put me on hold and never come back. This harassment has been going on for weeks now and they call almost every day.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (NV)

I have two instances. The most recent one is my car bill. XXXX $ and some change was put on pending and then the XXXX institution denied and reversed the payment, which they said was returned the XXXX. It is now the XXXX, and my money is still missing, and the transaction on my history has " mysteriously '' vanished. Now I can't afford to pay my car bill and have to pay both payments plus a late fee in a couple weeks. When I get paid, I will be in the negatives because all my bills are due. 
The first instance where the same thing happened was when I requested a repair for a XXXX XXXX around the end of XXXX. It was for XXXX $ and it was put on hold. That vanished too, both the history of it and the money. I've contacted both merchants and they said the money should be back in my account. I've contacted Ally three times about it, and at first a manager was happy to help, but then he gave up and basically told me I'm screwed because there's no proof. I would've taken screenshots of the pending transactions if I would have known this was going to happen.
Consumer complaint received 2017-04-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

I had a loan with Santander Consumer USA and sent them a letter to have the repossession removed from my report. They have placed on the account for XXXX that there is collection with {$0.00} and that its a bad debt and also have re-aged the account with new date of XXXX. I have n't had the vehicle or loan with them since XXXX. They have violated my rights and are also in violation of FCRA Section 605 ( c ) for consumer protection afforded by the FCRA. They reported the last activity instead of the date of the delinquency. I would like this to be removed from my credit report. It has caused undue stress and has violated my rights.