davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AutoNation Enterprises Incorporated (AL)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2022-03-22
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. (NJ)

Equifax, XXXX, XXXX were sent certified letters notifying them of inaccurate information in credit report such as inquires, debt validation and outstanding information pass the 6-7 year mark to remove information according to the FFCRA. I spoke to a representative and they refuse to remove inaccurate inquires on credit file. The reporting agencies has not verify any of these inquires showing any proof that I have sign or authorized as such. I ask that any items 7 plus years get removed, any addresses and phone numbers that is not associated with me to be removed as well. My credit file is locked and is still accessible.
Consumer complaint received 2016-04-04
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Long & Foster Financial Services, Inc. (VA)

A representative from Prosperity Home Mortgage contacted me about pre-qualifying for a home loan. During the conversation he indicated he obtained my information from XXXX XXXX XXXX in XXXX, VA. I did not authorize the sharing of any of my information.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

this company dropped my credit score about XXXX point with no apparent reason and are refusing to delete an item even though i sent them the deletion letter from company on XXXX XXXX my credit score was XXXX now it XXXX with no apparent reason and they have multiple duplicated inq on my account
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 15 USC 1681 b ( 1 ) the credit bureaus dont have no written permission 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 as a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681 section 2 ( a ) ( i ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is accurate.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold the accountable for this
Consumer complaint received 2023-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (AR)

Our panels were installed end of XX/XX/2022 incorrectly and disbursements were issued from Mosaic to installer without proof of job completion or the panels functioning correctly. 

We initially reached out to installer ( XXXX XXXX XXXX ) for XXXX weeks without any response. We have learned that XXXX is no longer in business. We then turned our focus to Mosaic to find out if they had dispersed all the payments for installation to XXXX. 

We are now stuck with a loan ( {$45000.00} ) that is not operational because Mosaic dispersed all funds to installer without proof of complete installation. We have reached out to Mosaic repeatedly since XX/XX/2022 requesting resolution and have received only denial of any blame. 

We've already consulted with another roofing/solar business, regarding what we need to do for the solar panels/system to be operational. The guidance is to out of pocket completely remove, rewire, reinstall panels, and also remove/replace damaged roof ( XXXX XXXX XXXX roof ) caused by original & incorrect installation. Additionally, the roofing/solar business that inspected our panels & system told us the way the panels were installed present a fire hazard. 

We believe Mosaic breached our contract by dispersing all payments to original installer without proof of operational system.
Consumer complaint received 2016-11-18
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (GA)

Company trying to collect more money than I originally owe or borrowed. I only borrowed {$800.00} they are trying to collect {$1200.00}. I was not aware of all the additional fees and interested. I tried to resolve the matter several times but the companies failed to call me back. I called the 3rd party law office that has my account to do a settlement on the account they refused and said I have to pay {$1200.00}. The balance owed is more plus additional fees and interest that I can not afford. I have no problem paying what I owed I can barely afford all the additional fees and I was also told that a lawsuit was filed on XX/XX/2016.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

transunion has been difficult to work with ... my score has not been updated and the iquiries count count is ironioys and wrong and has not been up dated according to the dispute time frame
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

My bank account was hacked. The bank closed my account and held my funds. There were transactions on my account by unknown sources. I went to the bank several times, talked to several bank personnel on the phone and in person to ask them about the activity on my account and access to my funds held. The first time they implied that I did fraudulent transactions. When they closed my account, I was told that my account was under investigation and my funds were held and it could be up to 3 months before their investigation was completed. I started receiving bank notices in the mail of disputed transactions and returned check deposited ( not any transactions I made ) so returned to the bank for further information on what was going on. There are several withdrawal with XXXX XXXX that are not withdrawal from me. I do not have a XXXX XXXX account. I suddenly got a check from the bank for a settlement on my account but does not cover the direct deposits from my employer.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete.
Consumer complaint received 2023-03-30
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: Aargon Agency, Inc. (NV)

XXXX XXXX XXXX keeps reporting false claims, first the debt isnt mine they reported incorrect home address they fixed it after a month or two. How can it be my debt if they didnt have the right address? The claim I have an open debt of XXXX $ and I dont know why. Keep giving them proof and documents its not mine after reporting false info and still didnt remove it from the report through experian, transunion XXXX and equifax and significantly bringing down my score over XXXX points! In less than a month! The collection agency is violating my rights, under the no surprise act of 2022 they have no personal information of me, no signature, no informative bills, no pic ID, they are an out of network provider charging me with out my prior authorization they have no detailed information about that.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This complaint was the result of their non-compliance to my request and for their refusal of getting the account listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for it was found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance {$1300.00}
Consumer complaint received 2016-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: RevCrest, Inc. (CA)

I do have a student loan open with XXXX. I am currently repaying my loan on their terms. i received a letter from RevCrest Inc. about two months ago and they stated they were holding my loan. I sent a debt verification letter to them and I have received nothing. This is their second attempt to collect on a loan I do not owe. They are also asking I put my social security number on all documents. I feel this company is fraudulent and a scam.
Consumer complaint received 2016-08-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: General Motors Financial Company, Inc. (TX)

I want to pay my truck payment on line to GM financial. Their website never works. You spend so much time tying to make a payment and their website keeps sending bogus security questions that I never set up. You call customer service and they ca n't help you either. So, for {$10.00} they will assist you over the phone to make a payment. This is a rip off!
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/2021, fraudulent activity appeared in my PayPal account. The name was changed to XXXX XXXX, the address was changed to California, and the language was changed to XXXX. Once I got the language changed I called Paypal to report the fraud. I gave all the information for PayPal to clearly identity when the fraud took place and after over an hour I was told they would take care of it and not to worry. Nearly 3 months later my account shows a negative balance over {$4000.00} and Paypal has sent me to collections and will not help resolve the issue. I have called dozens of times and each case opened, Paypal closes without action. I believe someone has found a security vulnerability and was able to push transactions from behind Paypal security firewalls. I am looking to take legal action against the company as they were immediately informed of fraud and took a knowing stand to allow fraud to occur instead of taking action to stop it. I contacted paypal dozens of times and they encouraged me to take legal action, even providing the address to send a subpoena.
Consumer complaint received 2022-03-22
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: Exeter Finance, LLC. (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma (CA)

After submitting my tax form and my refund was calculated. I selected to have it sent to my Credit Karma save account as XXXX XXXX  stated I would receive faster that way. I did receive it fast but Credit Karma is holding the money hostage. I can't withdraw it to send my regular bank and when i did click withdraw and it said " expect to see your funds within 1-3 business days '' instead of depositing money it withdrew it THREE separate times FROM my account and left me with XXXX in my account and then the money was no longer in my account at credit karma. So not only did they not deposit my money, they stole it from me. I received a couple, " we can't do anything about it '' and now I have another XXXX on the ay that I can't cancel being sent there so it now appears credit karma will be stealing XXXX from me. This is money I worked hard for and need. If I had the money to spare I wouldn't be calling and complaining. Moreover, I receive a refund that shows that I do not make enough money to have to owe. This is outrageous, criminal, and immoral. I would like to have all of the money that is my earned money rather than a bank that does not need it stealing it from me. As you can see in the documents I'm attaching there is now no money in my CK savings despite them having withdrawn money and it stands to reason that if they withdrew money it should now be XXXX in my credit karma account because they withdrew money so it should be sent to my account and added to the XXXX. Obviously, i had no money to withdraw. Now I am also being charged overdraft fees. Upon looking into this, I see they have been doing this enough to the point where there was an article in XXXX about it.
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America, : I had a mortgage account of {$56000.00} established in XXXX. In the year XXXX I refinanced my mortgage with another bank in order to obtain some of my equity for medical reasons. During those XXXX years, I was late on paying my mortgage in XXXX instances : that was on XXXX XXXX. I paid a late fee to the bank the next time I paid my mortgage. I do not believe that XXXX episode need be labeled as a negative connotation. There service to me contained many withdraws negligently and without reason taken out of my account then " corrected '' and put back after my correcting the bank in their error.
Consumer complaint received 2022-03-21
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: CITIBANK, N.A. (CA)

USPS XXXX XXXX fee was suppose to be {$73.00} ( USPS letter sent verification ) on automatic payment.in XX/XX/2022. Instead {$91.00} was charged and I disputed {$18.00} of the {$91.00} charge and paid the {$73.00} on my Citi bank credit card bill in XX/XX/2022. The {$18.00} dispute was rejected by Citi bank and instead of the {$18.00} dollar dispute charge being reversed on my XX/XX/2022 Citi bank bill.. Citi bank charged me again for {$73.00}. which I had already paid on XXXXXXXX XXXX XXXX  statement. 
I notified Citi Bank on a chat line and was rebuffed and told they did not have access to the information. I wrote Citi Bank credit services and there has been no acknowledgement.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NE)

So my Venmo account has been frozen since XX/XX/2022. I recently was locked out of my account due to me changing my phone number and phone. I couldn't access my account and then once I did through customer service my account was immediately frozen with no answers as to why besides saying it was flagged. Which is no problem but a week before that my card was used unauthorized and they drained my Venmo account of about {$1500.00}. So I filed a chargeback and the gave me provisional credit which I appreciated but that's the same exact time when I had to contact customer service to get into my account so once I got my funds as provisional credit and I was going to access it they froze my account and it has now been 10 business days and they have yet to respond or tell me why. So my XXXX that was already stolen from me is now being held/stolen again by Venmo and they do not care about anything or even care about fixing the issue.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (DE)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.