davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I have a XXXX account. I been constantly fighting this account and stating this is not my account. The month they say is late i have proof i was with XXXX so this should not be showing up on my credit at all. Im XXXX and this has been a ongoing thing and Ive been working on my credit day in and day out. This really saddens me to know as I am fighting this war this is a another issue I am having to fight. I just would like this remove so i can continue my credit journey and growth.
Consumer complaint received 2022-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

Continued calls to myself, my sister, my brother-in-law, my parents, my nephews, and my brother. Calls often are multiple calls in a row, threatening towards my family and disrespectful comments to my family members, disclosing information about the delinquency of my loan which I did not believe was allowed. If they want to harass me fine but family throughout this COVID pandemic is unacceptable and needs to stop.
Consumer complaint received 2023-05-22
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Consumer complaint received 2021-08-09
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: Experian Information Solutions Inc. (PA)

Good afternoon, I have summitted three complaints and disputes to Experian informing them of incorrect inaccurate credit reporting to them on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have forwarded them previous XXXX XXXX credit report highlighting the discrepancy of Date of Last Activity, ( DOLA ) with XXXX  is XX/XX/XXXX and Experian reported XX/XX/XXXX. XXXX  reported correct reporting in terms of Date of Last Payment on XX/XX/XXXX ( DOLP ), Date of Last Reporting and Date of Last Activity, ( DOLA ) as XX/XX/XXXX. However, Experian reported no last payment on record and their last Date of Activity was XX/XX/XXXX. I thought that the creditor reports the same information to Experian and XXXX. I even contacted XXXX / XXXX XXXX XXXX and obtained copies for the disparities of reporting between XXXX  and Experian. Experian did not carry out a proper investigation and provided copies for the same individual who carried out credit dispute. I am requesting this negative and inaccurate account to be removed from my Experian Credit Report.
Consumer complaint received 2024-03-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (CA)

Solar Mosaic failed to do their due diligence to verify that the solar contractor finished the work prior to issuing them the funds for my solar project completion. When the XXXXontractor became unresponsive, I notified Solar Mosaic and they contracted XXXX to assist me with completing the project. However, months have passed without any progress. I have called Mosaic several times to request a pause on the loan or to be issued credit for what I have paid on the loan since the solar panels are not installed and working. However, none of the representatives have been helpful and they argue that I have to continue paying the loan or it will affect my credit. This is considered extortion. There was a breach of contract from the moment the contractor lost their XXXX license. Solar Mosaic did not reach out to me to find out how the remediation process has been going until I filed a complaint with the XXXX XXXX XXXX. I was supposed to receive a call from their billing department in regard to the credit, but I have not heard from them. 

I have done my research and Solar Mosaic should have obtained a compliance and completion inspection form prior to issuing the funds to the contractor. The contractor advised Mosaic of the project completion, and Mosaic should have verified it. If they did, I would not be in this situation. Solar Mosaic has been operating since XXXX  and issuing loans for solar projects so it is concerning to find out that they do not take the proper steps before issuing funds to contractors and verifying the contractors ' legality to protect the customer and the investment. I have also found several complaints about similar situations with Solar Mosaic. They are unreliable and unethical like the companies they work with. Paying for a service that I am not getting is a huge financial burden and I extremely frustrated with Solar Mosaic because they only care about making a profit and do not have the customers ' best interests in mind.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OH)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

According to 15 usc 1692a ( 3 ) ( 4 ), MEDICAL REVENUE SERVICES is aware that they are in violation of the FDCPA. MEDICAL REVENUE SERVICES has violated the consumer rights by sending the consumer deceptive forms to make it seem as if the consumer owes any allege debts with this company. MEDICAL REVENUE SERVICES is in violation of 15 USC 1692b ( 3 ) ( 4 ) by stating that they received my address from the original creditor when I, the consumer and original creditor did not give MEDICAL REVENUE SERVICES any data for them to contact me for an allege debt. MEDICAL REVENUE SERVICES failed to show where the consumer gave CONSENT for the company to contact the consumer. MEDICAL REVENUE SERVICES violated 15 USC 1692B ( 5 ) by using the phrase This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector MEDICAL REVENUE SERVICES assumed that I owe a debt when the FEDERAL LAW clearly states that a creditor, which is me, can not own an allege debt without any preponderance evidence. MEDICAL REVENUE SERVICES violated 15 usc 1692e ( 2 ) by reporting a false and misleading amount, according to the violation, there is no amount owed that can be in a positive amount. MEDICAL REVENUE SERVICES has seven ( 7 ) days to delete the false and misleading data or I, the consumer will be forced to place MEDICAL REVENUE SERVICES in FEDERAL COURT to demand monetary relief for all the violations and false credit reporting that is shown as PROOF on all three credit reporting agencies.
Consumer complaint received 2016-07-31
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

Item sold on XXXX XXXX, 2016, posted that day, delivered same day with signature and PayPal are holding payment until XXXX XXXX, 2016 even though eBay say payment should have been released when the item was delivered. I have contacted Financial Rights and they say they can not hold payments and to contact Legal Aid. I have also contacted Financial Ombudsman Service and they also said they would contact PayPal about holding money with no cause. 
PayPal is holding the payment to collect interest off the money from their merchant accounts it is illegal to hold the money for 21 days with no good reason. PayPal have been sued numerous times during the last 15 years and still continue to practice financial process in their business. 
No other financial establishment holds customers ' money that long. If a bank practice this type of process they would be sued by their customers.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I paid XXXX XXXX XXXX to remove all of my debt on my credit. Walmart, XXXX and many more are wrong on my credit. I have proof that I paid ALL companies showing up on my credit report some still show open when paid off and some show collected settled. They all should be paid in full no latefees asa agreed. How do I get them ti fix my credit? I paid all the items as a result of fraud and they didnt want to work with me on that either! I feel like I need a new Social Security Number. Its Horrible I pay all my bills and things I dont owe! I have medical bills poping up from a state I use to live and I had insurance, this isnt mine to pay.
Consumer complaint received 2022-07-19
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. (MD)

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. 
XXXX XXXX Account # XXXX, XXXXXXXXXX****, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (KS)

On XX/XX/XXXX my parked car was hit by another driver. We went through the claim and everything was settled by the driver 's insurance. 

However, when my insurance renewal comes up, the insurance company informed that a clue report generated by LexisNexis shows that there is at fault accident and suggested that i need to corrected with Lexis Nexis. 

I have contacted Lexis Nexis and provided the police report in addition to the check sent by the driver insurance. However, Lexis Nexis is refusing to correct this mistake. 

LexisNexis failed to update its records especially during this time, despite being sued many times over the years for the same reasons. ( Adams v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2010 WL 1931135, at *9 ( D.N.J. May 12, 2010 ) ( denying LexisNexiss motion for judgment on the pleadings ) ; Berry v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2014 WL 4403524, at *1 ( E.D. Va. Sept. 5, 2014 ), aff 'd sub nom. Berryv. Schulman, 807 F.3d 600 ( 4th Cir. 2015 ).

We urge Consumer Financial Protection Bureau to revoke Lexis Nexis license to store and sale consumer data as it has proven again that it doesn't adhere to the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq Consumer Number : XXXX Case Number:XXXX Thank you very much
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (FL)

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of.

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The following information is incorrect : XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I reach out th the credit for the last two months regarding the incorrect information on file. 
I call and fax. 
Please help me remove the information above.
Consumer complaint received 2020-12-07
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. (PA)

Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.
Consumer complaint received 2023-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

Freedom Mortgage recently bought my mortgage from another company and I have had no past issues. In XXXX I attempted to pay my mortgage for XXXX. Apparently I typed a number in wrong and the payment was reversed. So the week of XXXX XXXX I submitted another payment for XXXX which cleared my partner 's checking account. I have bank statements that demonstrate this. 

In the first week of XXXX I had attempted to make an payment and again they said there was an account number discrepancy and payment reversal for XXXX. Additionally, suddenly they said on XX/XX/XXXX the payments for XXXX and XXXX were reversed. Mind you my payment for XXXX had already cleared my account a month ago. They both added a {$78.00} fee and said my account was delinquent. Both of which are false because again I have a bank statement showing a cleared XXXX payment. This was never reflected on my payment and interest history tab on the Freedom Mortgage website. 

By this time I was beginning to doubt Freedom Mortgage 's online payment system for good reason. I called in my mortgage payment via phone directly to freedom mortgage. ( I recorded all of the calls ). The payment cleared. 

I have a number of recorded calls, bank statements, and emails that verify what I am saying. When I emailed Freedom Mortgage they said my XXXX account never cleared ( again frustrating because it is untrue ) and then suddenly said a payment of double my mortgage cleared in XXXX. This is just a blatant falsehood. There is a bank statement with a cleared payment in XXXX ( for XXXX ) and a bank statement with a cleared payment in XXXX ( for XXXX ). The email was a lie based on bank documents. They attempted to call me delinquent and I still have not received a refund of the late charge of {$77.00} or {$78.00} they took after my payment had already cleared my bank. 

It is a nightmare to deal with. When you send them your bank statement they refuse to correct your payment history. They reply with false statements about when you paid. It is maddening, because I can prove they are untrue. This company is at worst dealing in deliberate bad faith with customers and at best a completely incompetent mess. Avoid this company if you have the choice.
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CSO Financial (OR)

The debt collector showed my parents my debt information and even allowed them to take a picture of it with out my knowledge or consent. The date was XXXX XXXX. 
They showed the amount owed as XXXX. Even though I only owed XXXX.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank (TX)

This card was consider card to help rebuild and repair credit but due to lack of being able to speak with live rep, hard time paying the card besides using checks which I do not have it became a nightmare. I used my own funds for this account and now it is showing negative and closed despite having enough funds to end balance. This has negatively affected me and my credit in ability to obtain future assistance.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I have contacted Navient numerous times. I went to XXXX XXXX XXXX XXXX XXXX Indiana. I graduated in XX/XX/2007. My interest rate is now 15.5 %. I filed bankruptcy on this loan. They stopped pursuing collections for over 2 years then came back with capitalized interest from during the bankruptcy process. I have paid over $ XXXX for a loan that started out as $ XXXX. This debt was discharged in bankruptcy.
Consumer complaint received 2024-01-17
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: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.