davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (GA)

XXXX XXXXXXXX XXXX XXXX To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Solar Mosaic LLC (DC)

Solar Mosaic currently has {$13000.00} loan out in my name for a solar project that was cancelled months ago. In XXXX of XXXX I began working with XXXX XXXX XXXX to install panels on my roof. The finance portion was handled through Mosaic. In XXXX of XXXX XXXX XXXX informed me I would need a new roof before panel install. The price became too high so the project was, or should have been, cancelled. 

In XXXX of XXXX my roof developed a serious leak. After finding a roof repair company I was told that I could not qualify for the cost of the loan to repair because I still had an active loan with Mosaic. I thought this was a mistake but after checking my credit report, I see that the loan is indeed active and {$260.00} have been paid towards it each month since XXXX! I do not understand how this is possible have money dispersed in my name and payments be made this long for a project that should have been cancelled 7 months ago. 

Still today Mosaic refuses to cancel the loan and continues to tell me the XXXX XXXX must first cancel the project before the loan can be cancelled. XXXX XXXX has provided a cancellation confirmation email ( below ) and number ( XXXX ), but Mosaic refuses still. Neither company will agree to have a three way call to figure this out so I am deeply concerned about possibility of fraud in this situation where I find myself stuck. 

*Cancellation Confirmation Email From XXXX XXXX* From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX Subject : [ XXXX XXXX ] Re : Acknowledgment of Your Cancellation Request To : XXXX ( Hidden XXXX Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 


XXXX XXXX XXXX XXXX XXXX XXXX Support ) XX/XX/XXXX, XXXX PST Hello XXXX XXXX This is XXXX XXXX XXXX XXXX. I want to update you on your project from our Accounts Specialist. Your project has been updated and cancellation has been confirmed. And we are in the process of getting the loan canceled as well. Please allow up to 14 business days for Mosaic to be notified of the cancellation.

If you have any questions or concerns you can respond to this email or use our live chat option at XXXX 

Thank you for choosing XXXX XXXX, have an awesome day!
Consumer complaint received 2021-02-24
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: WELLS FARGO & COMPANY (SC)

In XXXX of 2019 XXXX removed a charged off account from wells fargo in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to wells fargo again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but XXXX and XXXX  keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his XXXX state
Consumer complaint received 2021-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MO)

On numerous occasions for a year prior toXX/XX/2021, I have sent dispute letters to Account Resolutions Services a division of HRRG, LLC, XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, collections agency, requesting they valid this debt with more than the falsified name, address, or amount owed of the original debtor. 
I requested their verify that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. And whether this debt is within the statute of limitations and how that was determined. 
Also I requested them to forward details about their authority to collect debt : whether they are licensed in my state and if so provide me the date of the license, name on the license, license number, the name, address, and telephone number of the state agency issuing the license. 
ARS refuse to provide with the requested information requested, delete the invalidate collection, or practice fair credit reporting to the three credit bureaus. They only continue to submit the the falsified verification of the original debtors name, address, amount owed, and the dated letterhead..
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (OR)

A company called XXXX XXXX with an employee named XXXX XXXX are attempting to collect a debt against myself which has exceeded the statutes of limitation, on an account from discover card that dates back to XXXX with the last transaction date of XXXX when I was living in Missouri. XXXX XXXX and the staff at XXXX XXXX have been using harassment tactics over the phone, to include screaming at me over the phone, refusing to provide legal documents of proof in writing of the debt, threatening tactics of lawsuits without actions or causes. I offered to make a settlement to stop the collection calls and because I have very little information on this account I would like more information in writing. XXXX XXXX then raised his voice and starting telling me that the offer I made was rude and starting telling how I should behave at which my heart started beating. I told him that the Statute of Limitations they were threatening to sue me over were exceeded ( they stated the last account activity was XXXX ) and had been exceeded. I then explained that I had just had XXXX and was not working and I was unable to pay the full settlement amount they were asking for of {$2000.00}. I asked if he could settle for a less amount to stop the collection calls and I was told no that they had decided to go ahead and take me to court because he could file a Tolling agreement. I asked on which date he was going to take me to court and he said the XXXX. I asked him on what month the XXXX and he told me to stop changing the subject and would not give me the date. He then said he was going to garnish my wages and get a lien/levy against my house. I asked him to send all of his correspondences in writing from now on and he stated that he would not send me anything in writing. He also stated that I had enough credit available to pay the alleged debt in full. I asked him if I could record the conversation because he was yelling at me and he said No that any lawyer in his right mind would not allow some one to record them. At the beginning of the conversation He did ask if I had an attorney present and I stated no that is when he raised his voice and started telling me about how I should act.
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (NJ)

I've disputed with this company and sent a dispute letter on XX/XX/XXXX. What I got back is incomplete. Where is the HIPPA form, license to collect in my state, copy of the furnish of debt???

So again I will ask again : I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for.

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XXXX XXXX, XX/XX/2020 AND XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction. 

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States. 

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT. 

I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I realized I've been charged {$12.00} and {$35.00} per transaction for using overdraft protection to transfer money from my savings to checking account. I was aware that I was paying a monthly {$12.00} fee for my checking account with free overdraft protection. I have been with Bank of America for more than a decade -- and I'm certain when I signed up for the account -- I didn't agree to pay transaction fees to use overdraft protection.
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL (FL)

Paypal credit was the method used to pay for a transaction I used to purchase from a vendor on XXXX  XXXX nor paypal are giving me a refund for products I have not received The merchant said he was going to send me my products within 20 days max as production was 12-15 days The seller has not been responsive and does not want to give me my full refund
Consumer complaint received 2020-01-31
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (MI)

I highly caution anyone thats looking to do a reverse mortgage with American advisors group AAG to not do it! One hand doesnt know what the other hand is doing they stretch it out every day clicking up the charges for you. It takes 10 to 14 days in this computer age to get a pay off letter thats ridiculous. The sad part about this is this is geared towards senior citizens which could be considered elder abuse XXXX XXXX is on TV all the time talking about this encouraging people to do this Im telling you from first-hand experience do not do it its a nightmare.The Lansing office that Ive been dealing with I have told them and sent them documents stating my fathers address has changed 3 times this year, they have never done it they may have done it now they broke their contract by not sending monthly statements it is not a good situation please please talk anybody whos thinking of this out of doing it OK thats my public service announcement for today.Many elderly have to leave their home because of health issues such as my father he would never be able to handle all this nonsense that weve been dealing with and I think that they know that and take advantage of it please convince your parents or whoever not to do that!
Consumer complaint received 2023-01-04
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. (MN)

I have talked with XXXX and XXXX who have both informed me they did not share information with the credit bureaus about a bankruptcy, bureaus stated they received them from these companies which I know to be false and per the fair credit reporting act these should be removed
Consumer complaint received 2022-09-15
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 have contact and retained The XXXX XXXX This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts and inquiries. 

Accounts include : XXXX XXXX XXXX - {$0.00} auto loan {$42000.00} ( in collections/charge off ). 
XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$5900.00} XXXX XXXX XXXX - {$3200.00} Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

Hi, The past weeks I have received notifications and a letter from Well Fargo regarding my claim and the only response I got ; it was that the case XXXX has been closed. I have a legal representative in XXXX who did the respective research and confirmed that Wells Fargo has never reached out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. The found were never taken from my account for part of XXXX XXXX XXXXXXXX. Due to XXXX policy they can't disclose details of the procedure of how the Bank deals with XXXX  banks regarding transactions not being completed but retaining funds but as far for their records they didn't receive any phone call or written request from Wells Fargo regarding my claim. They did run the inventory and there is no trace of completing the transaction withdrawing funds on the dates previously indicated ( XX/XX/year> ). Wells Fargo has removed the temporary funds that they put in my savings account and due to the lack of accountability I was obligated to close the account and remove some money left in the savings account. 
I request, please reopen this case and investigate properly, I need to recovery the founds that Wells Fargo took from my account.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2022-10-18
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: First Technology Federal Credit Union (WA)

In accordance with the fair credit reporting act First Tech account # XXXX has violated my rights. 

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 a account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (NY)

On XX/XX/2023 I HAVE NOTICED FRAUDULENT INQUIRIES THAT ARE NIT MINE AND THEY MUST BE REMOVED FROM MU CREDIT REPORTING AND CONSUMERS REPORTING AS WELL YOU ARE VIOLATING MY RIGHTS AND YOU ARE BREAKING THE LAW AS FAIRS CARES ACT Inaccurate inquiries must be removed permanently This ground for removal.
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/XXXX we received a loan modification that extended our mortgage term from 30 years to 40 years that included our unpaid deferred payments with a new mortgage payment of {$3000.00}. We signed loan modification documents twice, the 2nd time we signed our loan modification offer was on XX/XX/XXXX. 

Today we received a new loan mortgage payment statement stating that we now have an Escrow shortage of {$8100.00} raising our agreed to modified mortgage payment of {$3000.00} to now {$3700.00}. 

There is no way we can afford this increased mortgage payment since I had to retire on social security income due to on going health issues at my age of XXXX XXXX XXXX due to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Why was this Escrow shortage not included in my recent loan modification?
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

i was married to XXXX XXXX, she had an account with USAA a checking, a savings, and a credit card. she gave me a card in my name auth user only and was NEVER refelcting on my bureau. XXXX and i divorced XXXX and she has not paid her bill. now the delinquent account is showing on my credit report. I called them, they sent me a credit dispute form. I completed it and said the same, they replied with it is valid. They did not send a signed application manual or digital. THIS IS NOT MY CREDIT CARD
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (SC)

I took out a loan with the company Affirm to make a purchase with another company XXXX I disputed the purchase with XXXX and Affirm. After going back in forth and providing evidence to Affirm that XXXX  was in the wrong Affirm sided with XXXX In the process of the dispute Affirm advised me not to except the product from XXXX while we were going through the dispute. I was told on XX/XX/2022 that I was responsible for the loan and I must pay Affirm even though I don't have the product. When I spoke to a supervisor I told him that one of his own representative advised me not to take the product yet they sided with the merchant and expect me to pay a debt to their company without the product. The supervisor later said he would listen to audio proving this to be true about an hour later I was sent an email saying this will be escalated. However my credit is being affected. Affirm expects me to pay them even though I don't have the product. I asked Affirm how to they expect to pay for something that I don't have.