davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (WA)

My payment schedule with Mosaic began on XX/XX/2023, with payments of {$640.00} withdrawn every month on the XXXX. From the first payment, Mosaic has claimed the payments were late even though they were on time and the company confirmed that the payments were not late. Despite that, I have been harassed by them every month between 8-10 days after the payment processed with claims of late payments. The latest incident involved a letter I received dated 2 days AFTER I called and they confirmed the payment was not late. It's now been three months and their excuse is " we escalated it ''. It's now been " escalated '' 8 times and still they claim every payment is late.
Consumer complaint received 2023-03-09
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. (GA)

Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Account Number XXXX 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.

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 2023-02-28
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. (TX)

I discovered that the XXXX accounts on my credit report were incorrect when I reviewed it. 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 information that needs to be investigated and corrected : XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX  : {$920.00} XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX : {$180.00}
Consumer complaint received 2023-05-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (CT)

On XX/XX/2023 I put a disputed for this Collection account from CONSERVE with account # XXXX and a balance of {$1200.00} original creditor is XXXX UNIVERSITY. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

*Account was verify/Updated as been verified and accurate*. 

On XX/XX/2023 I resend a disputed for this collection account from CONSERVE with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX UNIVERSITY. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

On XX/XX/2023 I receive what its to be verification from Conserve collection agency proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERY ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! 

At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy.

PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (DE)

Contacted Midland Credit after XXXX  the phone number that called me ( XXXX ) XXXX, to determine who was calling me. I asked them who they were and they said that it was a personal matter and asked me to verify my social security number. I give that out to unknown person over the phone ; and let them know that. I asked why they were calling me and then started the barrage of threats to settle my debt immediately or I would face grace consequences from my employer being contacted, to papers being filed by XXXX today at court which could result in anything from my wages being garnished up to my imprisonment. I then explained that I have a very poor credit and have for many years and don't even apply for credit let alone have any to have defaulted on. I asked for proof the debt was mine by way of the application and signature, and any other supporting documents. I was just told to settle my debt by XXXX today. When I again said that the debt could not be mine, I was read the phone number and " my '' account number and advised to call by XXXX to make arrangements before bad things start to happen.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

n accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under! 5 USC 1681. 

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 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (FL)

XXXX months ago i received a message from the three credit bureaus that a new collections was reported on each of my reports for {$230.00}. I do not know, nor have I ever heard of the third party agency, nor the original creditor, nor did I receive any letter from either of these parties claiming I owed any alleged debt or notice to cure. I disputed with all three bureaus to validate the authority of the entity to collect on the alleged debt. Two bureaus replied that the debt was not validated and removed from my credit reports. The third, XXXX, refuses to validate the alleged debt. I have challenged it three times requesting they validate the debt yet they respond within a few days saying the debt is verified. I did not request a verification, i requested a validation, and they continue to ignore my request and return what they wish to return which is outside of the scope of my request. 

I am asking the CFPB to contact XXXX and request they validate the alleged debt according to the FCRA.
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Dear PayPal Customer Support, I hope this letter finds you well. I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been made in error, as I have not violated any of PayPal 's policies or engaged in any suspicious activities. 

Firstly, I would like to emphasize that I have been a loyal PayPal customer for [ number of years/months ] and have always conducted my transactions in accordance with your terms and conditions. I have never been involved in any fraudulent activities, nor have I violated any of PayPal 's policies. It is disheartening to find my account permanently limited without any explanation or opportunity to rectify any perceived issues. 

Given my adherence to PayPal 's policies and my clean track record, I kindly request that PayPal re-investigate my case thoroughly. I believe that there may have been a misunderstanding or an error in the decision to permanently limit my account. I urge you to carefully review my account activity and transactions, as I am confident that you will find no evidence of any policy violations or suspicious behavior. 

Furthermore, I would greatly appreciate it if you could restore my PayPal account if the re-investigation reveals that the initial limitation was indeed unwarranted. As a long-standing customer, I value the convenience and security that PayPal provides XXXX and I would like to continue utilizing your services for my online financial transactions. 

I understand that PayPal prioritizes the safety and security of its users, and I commend your efforts in maintaining a trusted platform. However, I respectfully request that you reconsider the permanent limitation imposed on my account and restore it to its original functionality, allowing me to resume my normal activities on PayPal. 

I have attached any relevant documents or evidence that may assist in the re-investigation of my case. If there are any additional materials or information that you require, please do not hesitate to contact me at the provided email address or phone number. 

I sincerely hope that PayPal will give due consideration to my appeal and undertake a comprehensive review of my account. I trust in PayPal 's commitment to fairness and rectifying any erroneous actions, and I eagerly await a favorable resolution to this matter. 

Thank you for your attention to this complaint, and I look forward to your prompt response. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2021-01-26
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. (TX)

THE ACCOUNTS/INQURIES THAT ARE LISTED ARE FRAUDULENT SOMEONE STOL MY SOCIAL SECURITY NUMBER AND PHOTO TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-03-07
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, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of ( XX/XX/XXXXXXXX XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond within 35 days of my letter. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 10 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and removed immediately, following failure to verify, deleted from my credit report as soon as possible : 1. Other information I would like changed, XXXX XXXX XXXX, Account Number : XXXX, please remove immediately. 

2. Validate Account : XXXX, Account Number : XXXX Please investigate and delete from my credit report. 

3.VALIDATE ACCOUNT : XXXX, ACCOUNT NUMBER : XXXX, PLEASE REMOVE IMMEDIATELY 4. VALIDATE ACCOUNT : XXXX XXXX XXXXXXXX XXXX : ACCOUNT NUMBER XXXX, PLEASE INVESTIGATE & REMOVE ASAP 5. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 6. VALIDATE ACCOUNT : XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP 7.VALIDATE ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE, & DELETE ASAP 8. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX SS # XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation.

Sincerely.
Consumer complaint received 2024-02-28
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. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am requesting to you to correct the inaccurate information on my credit file that are previously reported. I appreciate you in taking time to investigate this issue and for that I want some inaccurate information to be corrected as soon as possible. Based on FCRA, it was there responsibility to make actions regarding this matter. This inaccurate account should be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. Upon reviewing my credit history, I discovered unauthorized accounts opened in my name without my knowledge or consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

on XX/XX/2023 I call Equifax and told them a lender was trying to pull my credit file and it was coming back as fraud, I spoke with what i was told supervisor XXXX ( XXXX ) at XXXX, I was told to fax over a copy of my id, and social security card to XXXX and in 5 days it will be fixed. I called back the next day and was told by XXXX ( XXXX ) that my phone number needed to be added and it will be fixed in XXXX Today the lender tried to run again same fraud alert.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

Each month I wire out about $ XXXX for my XXXX father 's XXXX board and care. Every few months I go to his bank and get a cashiers check for reimbursement. 

XX/XX/XXXX A cashier 's check from XXXX XXXXXXXX XXXX  was deposited into my Chase Checking account via ATM in the amount of {$17000.00}. Prior to my deposit my account balance was around {$3000.00} XXXX The hold was cleared and I paid bills in the bank mobile ap ( about {$3000.00} ) and sent a wire via mobile ap ( about {$7000.00} ) XXXX Went to bank ATM ( at bank ) to withdraw {$2000.00} to pay construction workers at my home. I was unable to withdraw funds and my access to online banking was frozen. I spent 4+ hours at the bank trying to ( and successfully resolving the hold ). I had to pay the workers at my home for an extra hour because they couldn't leave until they were paid. 

XXXX The USPS delivered a letter alerting me to an issue with my deposit and that if I didn't contact Chase immediately they would close my account. 

XX/XX/XXXX Access to my online banking still wasn't resolved and I had to make another phone call explaining the issue again. When asked " why didn't chase contact me? '' I was told that it was all automatic and the onerous was on ME to contact them to resolve the issue. How was I to contact them when I didn't know there was an issue- until the issue was big? 

My husband and I specifically got a cashier 's check from XXXX XXXX so the there wouldn't be a long hold time. I was treated like a thief in the bank AND on the phone. 

I can understand issues with fraud, but I can't understand why I didn't receive a text or phone call alerting me of the issue. I also can't understand why they needed to speak to me before contacting the issuing bank institution.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have several incorrect accounts on my credit file I have contracted them several times XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have several incorrect accounts on my credit file I have contracted them several times XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX