davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
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. (DC)

I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus Equifax, XXXX, and XXXX they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.
Consumer complaint received 2019-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

I bought home on XX/XX/XXXX.Today after 14 months i got 4th transfer ma mortgage to another company.I have no idea that this is legal.But with latest company XXXX   i have issue. 
On or about XX/XX/XXXX I have send mortgage check to them.Up today the do not cash this check.I am worry about consequence.I have sent to them email but, did not answer. 
Could you help me please.
Consumer complaint received 2019-09-25
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: Experian Information Solutions Inc. (DC)

I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus XXXX, Experian, and XXXX they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a XXXX email from capital one, alleging unusual active on my accou8nt ending in XXXX. This amounts to harrassment, as I have 5 accounts with capital one ... .they allege suspicious activity, and I emailed them to knock it off or I will take all my money and cancel the accounts iu have with them ... ..to the tune of over 50K ... .I did this with XXXX and XXXX of XXXX for XXXX like this ... .I will file a complaint every time, a bank does me wrong ... knock this XXXX off! 

They have wrongfully suspended my account and I will file a claim in or XXXX XXXX superior court for tortious behavior if they stop any payment or activity on my checking account forthwith
Consumer complaint received 2023-04-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (CA)

My checking account was hacked into on XX/XX/XXXX and there were multiple purchase transactions to my account with m debit card. When there was no money left in the account the hacker pulled {XXXX} from a joint checking account that I have and also did a telephone transfer of {XXXX} from my XXXX card. I contacted my bank immediately on XX/XX/XXXX and filed a fraud report for the transactions in my checking account. The credit card was not included in this complaint as it required to go to another department. When I was told this in XX/XX/XXXX I then contacted the credit card fraud department. At first they refunded the {XXXX} advance and removed all related fees. Then they reversed them back out and said that we were responsible for paying back the credit card as the {XXXX} was in my checking account which is was not the hackers had used that money as well. I appealed the first notice of the claim in XXXX and on XXXX XXXX received another letter that the case had been closed and they found that there had not been any fraud. I called again today and asked to have a copy of the recorded phone transfer and was told I could only get that information by court order. I have filed another appeal and provided great details to the person that I spoke with today. I can provide the transactions that occurred on XX/XX/XXXX and am certain that myself or my wife did not make a telephone transfer of funds from our credit card.
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (TX)

Hi, My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX Texas XXXX. The nightmare begins XX/XX/2021 when I agreed to solar energy with a company XXXX who is now out of business and their lender partner Mosaic XXXX XXXX for solar energy systems. In XX/XX/2021 XXXX sent a group out to install panels on my roof and that was all, they locked me with the panels and I was paying in good faith thinking I was going green here in the near future but it turns out that theirs been no permitting done not anything but the holes in my roof now! I've waited and waited for them to return, I've called left messages I've reached out to XXXX  numerous times in email and by phone and no response. I've tried to go through Mosaic to try to get through to XXXX and nothing. Mosaic has sent me to collections for default but both XXXX and Mosaic are the ones in default. I've asked Mosaic to cancel the loan but Mosaic is telling me that I have to cancel through XXXX ( why!?! ) who is now out of business and has left no line of communication to even try that. My credit score has been impacted by this scam and fraud ordeal and I now receive these letters from Mosaic about being in default under the Solar Loan Agreement and that they reserve the right to disable my solar equipment THAT I NEVER RECEIVED! and now like I mentioned my credit has been negatively affected and I should not have to pay for something I never received and I believe that this should be removed from my credit report as soon as possible. Please help me in getting this resolved. I've reached out to all 3 credit bureaus already in the attempt to clear myself and to just make a claim in my defense. So my hopes are to be cleared of the false claims by Mosaic to the credit bureaus that I'm in default and to get loan with Mosaic cancelled for breach of contract. Thank you
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.
Consumer complaint received 2021-03-08
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: Strategic Alliances, Inc. (GA)

On XX/XX/2021 a derogatory mark was added on my credit report per XXXX XXXX from First Financial and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit Bureau took more than 30 days to complete my investigation
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

I am writing this due to non-compliance with Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received correspondence from XXXX credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now on my credit report.
Consumer complaint received 2019-10-02
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. (CA)

I am filing this report because today XX/XX/19 I found out that my personal information was used to open several accounts without my authorization. I have no idea who stole my information or how he/she got a hold of it but I have already filed a police report regarding these unauthorized accounts. I did not participate in any purchases, transactions or payments towards any of these accounts nor did I benefit anything from them being open in my name. I have no relationship with any of the companies I have listed and I never gave them permission to run or access my credit report nor personal information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account Name : XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2019-05-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Nissan Motor Acceptance wrote the final status on a totaled vehicle that I financed through them as " {$7500.00} written off '' after I paid every penny that was not covered by my auto insurance. Now I had a conversation with them in XX/XX/2018 and during the fall of 2018 as well during which they promised me that once I paid the full balance owed they would remove the charge off status. Now " written off '' and " charged off '' mean the same thing. In other words, they deceived me into paying the full balance owed without removing the charge-off status nor indicating that the full balance was paid off, not Charged off. They lied to me. They need to delete that status ASAP. I can prove every single payment I made through my bank statements, including the final payment that reduced the balance on that account to XXXX. I even called to confirm how much I owed. They misreported this account and they need to own up to it and fix their wrongdoing.
Consumer complaint received 2023-04-06
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. (MD)

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 2022-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MS)

I called MOHELA to enquire about student loan forgiveness and where I stand on the issue. Multiple people acted as though they had not heard of the short term rules where some payments that didn't count in the past were eligible until XXXX. After reading them the info from a government website they said they would have to look into it. 

After that, MOHELA was supposed to send me all of the information they had on my past payments since XXXX. It has been more than a month since the first promise to send that information through the mail because they stated they could not send it electronically, and I still haven't received anything.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MI)

Hi Someone ordered TV from XXXX using my chase freedom credit card for {$440.00}. I was working that day ( XXXX XX/XX/2019 ) and I received email that XXXX order is ready to pick up and than few minutes later about thanks for picking up the order. I looked in my XXXX app and was surprised someone ordered & picked up TV. I called chase bank right away and they acknowledged that it is Fraud and credited me the amount. However on XX/XX/XXXX they put the charge back stating that it was done from my XXXX account and I have history with the same merchant ( someone bought TV 2 years ago from my XXXX account in Texas, new card was sent to me than and I changed my XXXX password ) so it is not a Fraud and is a dispute. I called XXXX and they state it is a chase card issue, Chase says it is out of there hands, talk to XXXX. I feel like consumer is being hassled in this and no one wants to help.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

I was unaware of this debt because of identity theft and found out about it as I am trying to purchase a home and this debt is prohibiting me from doing so. 

NCB MANAGMENT SERVICES {$1900.00}
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my XXXX XXXX credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my XXXX  credit report. The credit report does not have any detail information regarding this account. I am requesting XXXX remove this from my credit report. I also would like to have Capital one, XXXX, and XXXX validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that Capital One has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have disputed this debt with Portfolio Recovery Associates at least 3 to 4 times. It is not my debt. The customer service representative stated that the debt came back verified in their favor.

This debt was not removed from my credit report during any verification process.

Portfolio Recovery Associates keep sending me a bill that THEY said establish validity. A bill does not make it my debt.

They have not provided any documentation with my signature or a contract.

Because I am trying to remove incorrect entries and debt from my credit report, I called for a settlement amount in order to remove it from my report. I didn't think to file a complaint until during the CSR call. I advised the CSR that I would make a complaint.

This is not my account and this is not my debt.

I am attaching a copy of their verification documents they sent me.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Two derogatory reports for the same debt. As soon as I contested the first report through Trans Union, they added a second report for the same debt for twice the amount. When I spoke with the agency some time back, I was told by the original debtor, it was stated that there was no record that they submitted the original bill to XXXX. They refused to re-submit the cost because the debt was to old. Now that the debt was about to drop off, a new collection agency appeared stating twice the amount. By coincidence through Trans Union. I wish to once again contest this derogatory especially after what just happened. Thank you for notifying me of what I consider to be another error. I have worked very hard to clean up my credit. In my opinion the violations are coming through Trans Union, because they are the first that I filed a complaint with. Also again by coincidence, I have at least 2 agencies who are tapping into my credit report. XXXX is legal, the other two are not.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

Nelnet student loans servicer is reporting my loans increases interest while in deferment in red to appear as a negative then right under them in red they are reporting my student loans in blue to look as if I have loans than what is actually. 

They did this just in XXXX or XXXX. When I filed a complaint they removed all of my loans in red. Now they have replaced them in XXXX, XXXX. 
I have had these loans since XXXX and XXXX had they reported my loans in red for each time interest is applied to my balances while in deferment until XXXX and XXXX. 

I believe Nelnet is purposely placing the list of my outstanding loans in red and blue to make my creditworthiness damaging and make me look like I have 100 loans when thats not true.
Consumer complaint received 2019-05-03
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: Rocket Mortgage, LLC (TX)

On XX/XX/19, received call from Quicken Loans " XXXX  XXXX-NMLS # XXXX '' ( the call was recorded ) stating they've tried to reach me to help reduce my mortgage. After a bit of small talk, she said she'd see if she can help me, but would need to run my credit report. I explicitly told her 'I do not want anything run that will affect my credit ; I am VERY protective of it. '' She told me that it would not affect my score/report, and she's never gotten any feedback that a score would be affected. Warily, I agreed. She went on to 'review ' the report, telling me everything I already knew. I explained to her there's nothing Quicken Loans can do for me and we hung up. 

Within 10 minutes, I received emails stating that my report had been run and the score dropped FROM 771 TO 716!!!! I am furious! I called her manager and emailed her. She apologized. Her manager called me and for 10-15 minutes tried to get me to agree to a loan to consolidate my existing bills. I had to hang up ; to return to work. 

I suspect many people fall prey to their tactics, and I am very disappointed in Quicken Loans. 

Here 's the facts : - No one has ever tried to reach me from Quicken Loans. That's the guise they use. 
- I DID NOT agree to have credit run that would negatively affect my credit score. 
- Now, there's a hard inquiry on my report for a mortgage loan -- I don't need a loan, I plan to pay off my loan in a few years anyway. 

Please post something to people are aware of scrupulous tactics like this. I know better and was literally lied to by Quicken Loans. 

XXXX XXXX