davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX loan for my XXXX XXXX was signed in XX/XX/XXXX. 

The car was stolen in XXXX. 

XXXX charged off debt balance and sold debt to Portfolio Recovery Associates. 

Portfolio recovery associates continues to report debt balance as new or current. I disputed the information twice with XXXX XXXX and the credit bureaus. 

I also mailed a copy of the loan agreement that states the date signed of XX/XX/XXXX. 

The account for XXXX XXXX is also being reported as new and current. This loan card is also older than 8 years
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Solar Mosaic LLC (FL)

I am a XXXX XXXXXXXX that offers XXXX to my clinets. Mosaic is one of our lenders that offer financing. Somehow one of our clients convinced Mosaic to cancel the loan after having it for a year and in return, Mosaic took the loan amount minus the dealer fee out of my account which totaled {$63000.00}. I informed them multiple times prior to taking the money out of my account that if they can not provide me with a reason for taking the money out of my account than I do not authorize them to do so, but they still did. 



Pending CLAIM REVERSAL : ORIG CO NAME : SOLAR MOSAIC INC ORIG ID : XXXX XXXX DATE : CO ENTRY DESCR : XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX IND ID : IND NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CLAIMID : XXXX
Consumer complaint received 2023-05-17
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. (TN)

I have continuously been trying to dispute the items on my credit report for the last 8 months. Each time the accounts are coming back as verified. Before my last attempt, I uploaded my credit report to the three reporting agencies showing them the inaccuracies in the report and yet again the supported documents have been ignored. This last time I asked for a method of verification and again this information has been ignored. The CFPB is supposed to step in when things of this nature are not being handled accordingly.I know for a fact that according to the FCRA that my report is supposed to display the maximum capacity of accuracy across the board and it is not. I recently faxed over a MOV letter asking them to prove to me that since they are the ones who are reporting the information to provide me with how exactly their investigation goes when a consumer is disputing the information. Again ignored. Yet, I am supposed to just suffer because they are not doing their due diligence in making sure that the information they are reporting is 100 % accurate Then it was brought to my attention that a CFPB employee sent over a quarter of a XXXX consumer personal information to his personal email account. Yet no one is talking bout that. How am I supposed to trust what I am submitting to correct information when there is constant fraud being handled behind closed doors? I want these accounts deleted immediately if I can not receive the METHOD OF VERIFICATION FOR WHICH THE ACCOUNTS BEING DISPUTED ARE BEING VERIFIED. i ALSO WANT THESE ACCOUNT DELETED FOR THE REASON DUE TO THE CFPB BREACH AND THIS IS A VIOLATION OF 15 USC 1681
Consumer complaint received 2024-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (TX)

I received a credit reporting alert that a company GLA Collections is reporting to credit bureaus ( XXXX, XXXX, XXXX ) a collections/delinquent account for non-payment of a medical bill. I have not received any medical care from any provider in over 10 years. This is a fraudulent attempt to collect a debt I NEVER owed. This has negatively impacted my credit score. Please take action against this company. I have already contacted XXXX, XXXX and XXXX to report this fraudulent activity. I have also escalated this matter to my legal team and State 's Attorney. Please instruct this company to delete this fraudulent account from my credit file ASAP.
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (DE)

The mortgage company is XXXX XXXX XXXX the issue is that I told them so many times that I can not pay my mortgage on the first of each month because the way money comes in. I have a good credit and I was never late Ill pay my mortgage around the XXXX XXXX or XXXX of each month therefore Im not late because of the grace period time that is given to us until the XXXX. They had stopped for a while but now again I called them again and they said that they will not stop calling ... .I get calls every day after the first and on emails attached to the call ... I think this is an harassment. Thank You
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There was an affidavit sent to XXXX, XXXX, and Transunion regarding account XXXX XXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws. I submitted a FTC report which is attached to this complaint. I also noticed that the account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report and inaccurate credit report and remove this account from my credit report.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Uplift, Inc (IL)

I went to look on my credit report and that is when I found out I had it, I have never used uplift, and XXXX dollars bill, I have requested paperwork and anything that shows I signed anything I dont have any charges on my bank statement I dont have any record of this charge.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

From X/X/2016 - XX/X/2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in my credit report.
Consumer complaint received 2024-01-12
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CarMax, Inc. (CA)

On XX/XX/XXXX  notice and demand sent to CARMAX to stop communication about this debt and the validity and fraud associated with this debt. The current issue right now is they are still communicating with me at least twice a day and even leaving a voicemail regarding this matter. Per their willful violation of 15 USC 1692c and 15 USC 1692k, they are in violation and due and owing for their telephonic constant communication with me. 

15 U.S. Code 1692k - Civil liability 15 U.S. Code 1692c - Communication in connection with debt collection : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

It has come to my attention that since XXXX of XXXX, Lexis Nexis furnished information regarding a bankruptcy record on my consumer report & is in direct contravention of the Consumer Right to Privacy as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose. The Congress emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and a profound respect for the consumers right to privacy.

Failure to comply with the aforementioned statute exposes your agency to potential legal action. According to 15 U.S. Code 1681n, any willful noncompliance may result in civil liability. I want to emphasize that I am prepared to pursue legal recourse in small claims court in my city and state should the bankruptcy record not be promptly deleted from my consumer report.
Consumer complaint received 2022-04-11
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. (NJ)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CT)

On the XXXX of XXXX a direct deposit was sent to my chime account from my employer of which I move {$2000.00} to my checking account with XXXX  XXXX XXXX I further get a message that the funds will enter my XXXX  account within 1to 3 business days. Today the XXXX I went to XXXX  XXXX XXXX to see if the funds is processing and they say they dont see any pending transfer to my account so I called chime customer service to get answers. The first person I spoke with ask for all necessary information to confirm that am the owner of both and I provided all his desired answers but he cut the call. I call a second time and i get him again but as soon as he identified it was me he hang up again. This happened 6 times with different people but they all hang up as soon as the recognized its me and I suspect something is going on with my {$2000.00}. Please help me get bi my money
Consumer complaint received 2023-09-15
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-10-07
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 (GA)

my account has been working perfect without any issues. 
I never been associate with any fraudulent activity. 
i never been associate with any chargeback. 

Now i received the notification that my account has been permanently suspended. 
XXXX XXXX XXXX : XXXX I would like to PayPal review my account there is not issue with my account, and i don't think it should have this decision without any explanation. 

i hope please get help about this issue to be resolved or if PayPal needs more information about my account, please try to ask me and i will be able to clarify any information.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (FL)

I'm disputing accuracy in XX/XX/2023 I was not late Audi ( Volkswagen parent XXXX ) agrees they did not report but they are XXXX need to be cleard of late ..also XX/XX/XXXX I was involved XXXX. car accident the car was a total Loss XXXX XXXX XXXX from other party paid out for the car to them.on XX/XX/2023 XXXX stop reporting me as of XX/XX/XXXX as I have no business with them anymore in XXXX they failed to answer to XXXX for my dispute in the allowable 30 days XXXX  was removed from my credit report and now it's has reappeard with multiple in accuracy, balance is incorrect, month of XXXX is still on and now for month reporting it's showing XXXX ( no data ) XXXX ( no data ) XXXX ( no data ) this is a lease vehicle I have no business with this company this should not be on my credit report ..they are reporting in accurate..they just tell me to dispute it and nothing is done about this DELETE ACCOUNT THIS IS A LEASE VEHICHLE I HAVE NO BUSINESS WITH VW AUDI XXXX OF XX/XX/2023 SHOULD NOT BE ON MY CREDIT REPORT ESPECIALLY WHEN ITS IN ACCURATE
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is NOT a XXXX  complaint. do NOT place a XXXX  alert in my XXXX XXXX. 

I have challenged the reporting of a XXXX  on my XXXX XXXX  XXXX separate XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their XXXX  possession on each of those XXXX. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX XXXX reporting. 

In the event they did not have any documentation in their XXXX possession as of the XXXX  of these XXXX, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the XXXX, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these XXXX accounts, they are required to delete them immediately. Failing to do so is damaging my XXXX and XXXX 

I demand the XXXX be properly verified with physical documentation and in XXXX XXXX XXXX reporting ( and not just verified through a XXXX XXXX  ) or it MUST be removed immediately.
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (AZ)

This XXXX account is very old account. 
I asked them to remove the account from my credit in a dispute foam. Due to the time laps of 7 years of hard times. 
What was done instead of removing the account from my credit report. 
The debt collector restarted the clock on the age of the account. 
This issue needs to be resolved ASAP. 

But I am on hard times financially. 
This account affected my credit report for a very long time and needs to be addressed Immediately. 
Thanks again for your assistance.
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are inquiries on my account that were done without my authorization and consent. 

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 2023-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial has chosen to violate my rights under federal law as a identity theft victim. This company has been notified by myself and also several credit reporting agencies that the account they are reporting has been flagged as fraudulent. Bull City still hasnt corrected their errors and is intentionally reporting Fraudulent information. I have contacted this company over 50 times, the moment I request to speak with their fraud department they immediately disconnect the call. This complaint will also serve as my legal evidence that I have exhausted every means possible to fix this fraudulent issue with Bull City Financial and will be seeking {$250000.00} in Federal Court for Defamation if this issue is not resolved in five business days
Consumer complaint received 2024-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tally Technologies (AL)

I am XXXX XXXX XXXX turning XXXX this year. I am a victim of identify theft and these are not my accounts. I did not ask anyone to open these accounts. The companies can not provide signatures or proof that I opened these accounts. Please help me.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

The terms for use of the credit card are such that if a credit card holder spends over {$15000.00} on the Chase Credit card in a year, the holder receives XXXX free night at a XXXX XXXX level hotel ( XXXX is the branding on the credit card ). 

During early XX/XX/XXXX I looked on the Chase website and it noted I had reached the {$15000.00} of spending for XXXX. I called the Chase XXXX phone number ( XXXX ) to verify this fact on XX/XX/XXXX at XXXX ET. I was told by the representative at that time I had reached the noted amount in spending. I called the same number on XX/XX/XXXX at XXXX ET and asked the representative when I would be credited with the free night and was told it would be by the end of XX/XX/XXXX. 

While on a business trip in mid XXXX outside the US I inquired about the status of the credited night and after being placed on an extensive hold I determined it was best to wait until my return to the US to address it. On XX/XX/XXXX after not receiving the free night credited by XXXX, I followed up once again. I was connected with a Chase representative who gave me a case # XXXX and was told that this case was intended to resolve my issue. I was told the date of the case was XX/XX/XXXX and that as part of the case Chase determined there was a 'system ' issue that caused the problem, but Chase had directed XXXX to credit the free night to me. I was told by XXXX that the issue would be resolved in XXXX to XXXX hours. 

I then called back on XX/XX/XXXX after the noted time had elapsed and had XXXX consecutive calls with XXXX and Chase ( at XXXX time being unknowingly passed between the XXXX ) lasting about an hour starting at XXXX ET to try to finally resolve the issue. I was given yet another case number of XXXX and was then told an investigation of the issue would take XXXX to XXXX business days. 

I doubt this will be satisfactorily addressed as initially there was complete agreement that I met the criteria for the spending, but in the most recent calls I have been involved in a circular and unending series of phone calls between XXXX and Chase. I don't have any hope that I will be properly credited with my night for which I met the spending requirements without your assistance.