davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Atlanticus Services Corporation (VA)

In early XX/XX/XXXX, Fortiva misreported my account to credit bureaus! To this day, XX/XX/XXXX, Fortiva has not reported my correct card number to both XXXX and XXXX! I have contacted Fortiva a myriad of times and their response has always been please wait XXXX to XXXX days for an updated report! However, this has been going on for XXXX months!! During the last contact, I spoke to a supervisor and requested that I speak to the department that does the reporting! She told me that they could not be contacted by phone ( nonsense ) but she would send them a note! This was a couple of weeks ago! 

Please help me with this as it has an impact on my credit score! I had trouble with Fortiva years ago when they would not repay me for fraudulent charges! You helped to resolve that issue and I need your help again!
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (AR)

MOSAIC FINANCE CLAIMS TO HAVE UNDERWRITTEN A LOAN TO ME FOR A SOLAR SYSTEM INSTALLATION ON MY HOME ON XXXX.  THE LOAN PROCESS APPLICATION WAS APPLIED FOR IN MY HOME ONLINE WITH THE ASSISTANCE OF A SALESPERSON FROM THE NOW-FAILED SOLAR COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX.  MOSAIC ENTERED INTO A FINANCING AGREEMENT FOR XXXX XXXX CLIENTS.  

AS OF XXXX, XXXX  BEGAN BILLING ME FOR THE MATERIAL SECTION OF THE LOAN AT XXXX A MONTH.  MOSAIC CLAIMS IT PROVIDED FUNDS TO PURCHASE MATERIAL TO XXXX XXXX.  TO DATE, I HAVE NO EVIDENCE THAT SUCH FUNDS WERE PAID TO XXXX.  IF IN FACT THE FUNDS WERE ISSUED TO XXXX, I CONTEND IT WAS MADE ERRONIOUSLY BY MOSAIC DUE TO THE FACT THAT THEY KNEW THAT DOCUMENTED LEGAL COMPLAINTS WERE BEING MADE AGAINST XXXX.  XXXX XXXX IS CURRENTLY BEING
SUED BY THE ATTORNEY GENERAL OF XXXX  FOR NEFARIOUS BUSINESS TACTICS AGAINST XXXX  HOMEOWNERS.  THE COMPLAINT LISTS COMPLAINTS GOING BACK THROUGH XXXX.

I WAS CONTACTED BY A MOSAIC REPRESENTITIVE WITH THE INTENT TO GATHER FACTS ABOUT ANY MATERIAL OR LABOR PERFORMED BY XXXX.  I EXPLAINED THAT I HAD RECEIVED NOTHING.  I ASKED HIM FOR FURTHER ASSISTANCE, AND HE EXPLAINED THAT HE COULD OFFER NOTHING AND THAT I WOULD BE CONTACTED BY A RISK REPRESENTATIVE AT SOME POINT.  

TO DATE, I HAVE NOT BEEN CONTACTED BY ANY MOSAIC REPRESENTITIVES IN REMEDIATION OF THIS ISSUE.  I CONTINUE TO GET BILLS AND LATE PAYMET NOTICES.  I RECEIVED AN EMAIL, AND I AM ATTACHING HERE DOCUMENTS PERTAINING TO SOME FORM OF ASSISTANCE.  HOWEVER, NO SUCH ASSISTANCE WAS EVER PROVIDED.

IT IS MY OPINION THAT MOSAIC MAY HAVE OR MAY NOT HAVE ISSUED FUNDS, BUT THEY ARE BILLING ME ANYWAY FOR A LOAN WITH THEIR FULL KNOWLEDGE OF XXXX XXXX FINANCIAL COLLAPSE AND POSSIBLE FRAUD AGAINST CONSUMERS.  

MOSAIC
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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: ENCORE CAPITAL GROUP INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Monterey Financial Services LLC (NJ)

Bought a timeshare through XXXX XXXX while under the influence. I emailed them to cancel it within the 120 day period and it was being disputed. Did not have any contact with debt collectors, assuming that this was taken care of. I tried to get a mortgage, and found out through a credit report that they had filed to collect once again. I only found out through the credit report about the collection. I still have not received a phone call, email or even a letter telling me I still owe them money. It has been in dispute all along.
Consumer complaint received 2016-01-13
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Several weeks ago I requested information on a loan consolidation from XXXX. They informed me that there was a Bankruptcy indication on my SLS, ( Special Loan Servicing ) account who services my XXXX mortgage, thus, XXXX denied me a loan until this matter is resolved. However, I have never missed a payment or ever filed for Bankruptcy at anytime in my life. I contacted SLS who has only delayed in admitting they made a mistake and to contact XXXX and the Credit reporting companies to correct this grievous error.
Consumer complaint received 2023-03-29
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. (AL)

I disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.
Consumer complaint received 2022-10-06
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. (OH)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX Account # 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
Consumer complaint received 2023-03-29
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: U.S. BANCORP (MN)

I recently was monitoring my credit and I saw from the 3 credit Bureus, that there has been faulty inquires on my credit report. 
For example On XXXX I saw ( Inquiry date XXXX for XXXX XXXXl XXXX ) another example I saw was ( Inquiry date XXXX for XXXX XXXX XXXX ), also another ( Inquiry date XXXX from XXXX XXXX  XXXX ). 
These 3 were reporting on my XXXX. 

On my XXXX I see For example ( Inquiry date XXXX for XXXX XXXX XXXX ) The inquires for XXXX for example on my report I have ( Inquiry Date XXXX for XXXX ), another ( Inquiry Date XXXX for XXXX XXXX  ), also ( Inquiry date XXXX for XXXX XXXX ), Last that I see on my credit report is ( Inquiry date XXXX for XXXX XXXX ).
Consumer complaint received 2021-09-23
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC (WI)

On XXXX XXXX I sent a letter to professional placement for verification for me for this medical bill without using my name and address they sent my medical bill after I received that letter I asked them to send me a release from for them to have that type of information because under the hipaa law no one should have that information only the hospital.after that they stop responding
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (CA)

XXXX BMW & BMW FINANCIAL SERVICES both are in Violation of Title 15 by using deceptive forms, language, mode of operation along with deceptive tactics. This Notification is for all principals, franchises, agents, Government actors Et al On the XXXX of XXXX, at approximately XXXX hours. I arrived at the XXXX BMW Dealership located at ; XXXX XXXX XXXX XXXX, California XXXX. I was met by a salesperson, XXXX XXXX who proceeded to provide the following information. He stated that BMW Financial Services has a numerous stipulation and require XXXX as a down payment. He further stated I needed to provide insurance, which is also false and misleading. I advised XXXX XXXX that I wanted to acquire an Automobile via a Consumer Credit Transaction and NOT a loan. He responded by saying he didnt know what that was. I advised him that Ignorance of the Law is No excuse. All Automobile Dealerships Participates in Truth in Lending Act, including XXXX BMW therefore it should be known to all within the Management and sell team. He further stated that BMW Financial Services was lending me credit. Which is false and misleading due to the fact that the origin of the credit is the consumer, the original creditor making the extension of credit to XXXX BMW and BMW FINANCIAL SERVICES because they both ran my credit and gave me without nothing in return. BMW FINANCIAL SERVICES sent me an adverse letter stating that the went to a third party for decision making on my behalf.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Tried contacting XXXX XXXX several times no call back on my behalf as she states. Also this complaint is closed.XXXX. not resolved. I had to make the XXXX payment along with penalties about a month ago for the taxes they did not pay. Was told to fax the receipt to wells fargo they will reimburse me, they have not. A XXXX payment to me for what I went through, does no justice. 4 letters of this being resolved month after month, prolonging.
Consumer complaint received 2023-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS XXXX
Consumer complaint received 2024-03-06
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. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct the late open accounts listed on my credit file. Despite multiple communications and assurances from your company, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

The presence of late open accounts on my credit report is highly detrimental, as it inaccurately portrays my financial history and poses significant obstacles to accessing credit and financial opportunities. Despite my diligent efforts to rectify these inaccuracies, the problem persists, causing undue stress and frustration. 

I have made numerous attempts to contact your company to address this issue, providing all necessary documentation and information to support the correction of these inaccuracies. However, the lack of progress in resolving this matter is deeply concerning and reflects poorly on your company 's commitment to customer satisfaction and integrity. 

I demand immediate action to correct the late open accounts on my credit file and ensure that my credit report accurately reflects my financial history. Additionally, I request compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. 

I expect a prompt response detailing the steps you will take to rectify this matter, along with a timeline for resolution. Furthermore, I request regular updates on the progress made towards correcting these inaccuracies and restoring my credit file to its accurate state. 

Failure to address this issue promptly will leave me with no choice but to escalate this matter further and seek assistance from regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to resolve it expeditiously. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-13
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. (PA)

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. Insert accounts 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 XXXX make any consumer report containing any of the following items of information An other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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. 




XXXX XXXX  is the company name. The amount is {$6500.00}. Account XXXX
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. 

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly. 

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I downloaded my credit report and asked Equifax to check the completeness and accuracy of the accounts below in accordance to 15 USC 1681i ( 5 ). Equifax has tried use stall tactics despite my many attempts to solve this issue.

1. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX 3. Account name : XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXXXXXXXXXXX**** 5. Account name : XXXX XXXX XXXX Account number : XXXX 6. Account name : XXXX Account number : XXXX 7. Account name : XXXX XXXX Account number : XXXX 8. Account name : XXXX XXXX XXXX Account number : XXXX 9. Account name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX. Account name : ( Original Creditor : ) Account number : XXXX 11. Account name : XXXX XXXX XXXX Account number : XXXX I have waited 30 days and they still havent updated or removed the accounts from my report in order to ensure that my credit report is complete with the correct information. 

The date open is not correct, date last active, date of last payment, account numbers, date of last payment and balances are not correc on all 3 credit reports and they even failed to update the account status to in dispute which is a clear violation of the fcra. 

These violations has caused me financial hardship. It has cost me job opportunities and even gotten me denied for a home loan. 

I have attached my previous credit report and new report that I just downloaded to show how Equifax has violated my right. I have also attached multiple complaints spanning over a year that they have failed to fix.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2021 an account was opened in my name with XXXX XXXX XXXX. I DID NOT open this account. I have contacted the company via email since the number provided will not allow calls. This is fraud under my name. I have a fraud alert and my credit is frozen. This should not have been opened.
Consumer complaint received 2015-06-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Home equity loan service company SLS took over from another home equity loan service company XXXX in XXXX. Since SLS has begun servicing nothing has been correct on my account since, including payments made. Below is a description of the problem. 

In good faith I have attempted to get resolution with you, ( SLS ), regarding errors to my account to no avail. My account has always been in good standing with you, XXXX I provided proof of all payments for 2015 ) since you took over servicing from XXXX, however my current monthly statement does not reflect so. Each month, proactively, I have called SLS speaking with a number of individuals in executive services and have received acknowledgement my account is n't correct in some way or other and from several individuals been told that you had a number of errors from XXXX accounts that came to you from XXXX including mine. I was also told by XXXX that my monthly payment is n't enough to payoff the entire loan balance under the terms of the modification I completed with XXXX last year and someone needed to complete an audit. 

From XXXX last month, a review of my account is warranted, monthly payments were n't applied properly and that I would receive a call back from someone within 5 days after a review. Nothing by SLS to audit or correct my account has been completed. 

Therefore, since you have been negligent in completing a through review of my account and correcting errors, including payments, I am filing a complaint against SLS with the Consumer Financial Protection Bureau an affiliate of the XXXX Treasury that oversees improprieties against consumers. I also have reason to believe that due to my account errors with you my credit rating has been denigrated.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I use PennyMac for my home loan, account XXXX. During the pandemic, I opted for mortgage relief in the form of forbearance. This lasted for approx. 15 months. Each month, I would check in and verify that the forbearance was still needed. The approximate unpaid mortgage at the time that the account entered forbearance was XXXX. Once my finances were back in order, I opted to defer these payments to the end of the mortgage. Undenounced to me, during this time I was incurring debt with PennyMac. These fees and/or interest was never discussed, authorized, or disclosed to me in any way ( again, I checked in at least 15 times where this was never brought to my attention ). At the conclusion of the forbearance, PennyMac shows that I owe approx. XXXX on the loan. I believe this XXXX XXXX dollars was added to my account under false pretense, without my knowledge or authorization. I called the company and spoke to a representative who said I was still collecting interest during the forbearance.