davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/2023, my husband and I had the pleasure of meeting with XXXX XXXX XXXX, a sales representative from XXXX XXXX, who sold us XXXX windows for our home. During our meeting, XXXX XXXX assured us that we were approved for a payment plan of {$190.00} per month with no interest for 18 months. In order to proceed, I signed a release for my credit report to be accessed. 

Unfortunately, due to technical difficulties with his device, XXXX XXXX was unable to provide us with any paperwork or contracts at the time. He assured us that XXXX would send us all the necessary documentation. However, despite my repeated attempts via phone calls and emails to XXXX XXXX, I have not received any response or the requested paperwork. 

To add to our frustration, on XX/XX/XXXX - XXXX, the windows were installed in our home, with the exception of a XXXX obscure window for our downstairs bathroom. Instead, a clear window was sent, contrary to XXXX XXXX 's promise of an obscure window. This discrepancy has yet to be rectified. 

Further complicating matters, on XX/XX/2023, I received a letter from Service Finance stating that a payment of {$380.00} was due on XX/XX/XXXX. This came as a surprise, as the agreed-upon terms were vastly different from what was stated in the letter. Upon contacting Service Finance, I discovered that a contract had been signed with my misspelled name and my husband 's name, outlining payment terms of {$380.00} at 17.99 % interest. I must emphasize that I had never seen nor agreed to these terms until XXXX XXXX XXXX from the complaint department at Service Finance sent me the contract. 

Despite XXXX XXXX 's efforts to contact XXXX. XXXX XXXX XXXX on my behalf, I have received paperwork on the windows but no communication or documentation from XXXX XXXX. Additionally, XXXX XXXX XXXX of XXXX XXXX XXXX has yet to respond to my inquiries regarding the fraudulent contract addendum and the promised corrections, as well as the installation of the bathroom window.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

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.

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 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 2023-07-29
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. (AL)

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.

The letters are stated with items and issues.

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 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 2023-07-31
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (TX)

Solar panels were installed and tree trimming was included in the total charge of the contract. The company refused to trim tree limbs overshadowing the panels as was promised in a verbal contract and is included in the total cost and service in monthly payments. And tree trimming that has not been done. Due to an epidemic of webworms and the limbs not being trimmed, the panels have become dirty and not performing as they should. The panels have been red-tagged by the fire department and did not pass the inspection. I have been unable to find the registered agent for this company in order to file a complaint in small claims court. As a XXXX XXXX I feel as though I have been taken advantage of. I have withheld the payments from Good Leap Finance company for this reason until this issue can be resolved.
Consumer complaint received 2023-06-07
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. (IN)

I received my credit report on XX/XX/2023 and i notice there were adress that in my account have permissible pourpse to be on there these adress are fraud. i already reach out to the credit bureaus about this multiple times they keep violating my rights under 15USC 1681b. I also have attach the adress on file that don't have no purpose to be on my credit report
Consumer complaint received 2023-06-07
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. (VA)

NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq.

and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq. 
This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 
2 This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( 1 ) The name and address of the organization or other governmental unit alleging a debt ; ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( 3 ) The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.

( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 
( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 
( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
Consumer complaint received 2023-09-29
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

I sent SYNCB/XXXX XXXXXXXX CARD notice to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed SYNCB/XXXX XXXX CARD that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with SYNCB/XXXX XXXXXXXX CARD . Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

XXXX  XXXX and Wells Fargo Rob me {$100000.00} Dollars and XXXX sperate Banks lawyers say its imposable to comprend then 15 years the Police Harass me when go outside so never leave my apartment and I took a Screen Shot Picture of Front and back of a Check uploaded to secure email and XXXX XXXX wont cash it. and Wells Fargo Has no secure Email and Customer Service agent refuse to give me his name and rudly hang up phone. 
My {$15.00} XXXX XXXX is not secure enough to do Banking and to small and difficult. XXXX XXXX XXXX XXXX XXXX XXXX  log in both have a box to check to rember user name and or Password Banks or XXXX  Rember all Bank user names and there no way to stop them so You can rob anyone cell Phone rember all customers user name and use a Phone Verification to Change Password XXXX XXXX Refuges all Banks require International Long Distanced to Call a Bank XXXX Number Defendants Discriminated against me and similarly situated people based on race, color, national origin, disability, age, sex, religion Violates genocide laws, war crimes, crimes against humanity and aggression, Universal Declaration of Human Rights, 42 USCS1346 ( b ), 28 U.S. Code 2671 to 2680, 42 USCS 1983, 1985, 1986, 28 USCS 1331 ( a ) - 1334, 42 USCS 2000bb-4 and 2000cc-2 ( a ) RICO Act 1962 ( d ) First, Fourth, Fifth Sixth, Eighth, Fourteenth Amendment and Bivens Action SEE Bivens v. Six Unknown Named Agents, 403 U.S. 388 ( 1971 ) and 1983 Supreme Court allows Malicious Prosecution Lawsuits only when all Charges Dismissed and 1st Amendment Retaliation Claim
Consumer complaint received 2023-07-28
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. (TX)

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.

The letters are stated with items and issues.

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 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 2021-09-09
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. (TX)

On XX/XX/XXXX, XXXX correctly reported my credit card balance of {$180.00} to my credit card to all three credit bureaus ; however, on XX/XX/XXXX they decided to change the balance for the Equifax report to a balance of {$1500.00}. This balance was correct prior to XX/XX/XXXX when I made a significant payment to bring it down ; however, my statement closing date on this credit card is XX/XX/XXXX and such the balance should have reflected {$180.00}. I instantly disputed it with Equifax and my dispute results were ready on XXXX XXXX stating that XXXX says the {$1500.00} balance is correct. I then started to compile my proof and fill out and certify mail XXXX their own dispute form and my proof of their error. I then headed to the local bank on XXXX and XXXX XXXX XXXX XXXX I spoke with a teller that got on the phone with XXXX XXXX from the disputes department. I was hoping by going to the bank that I would at least be able to fax the form over to them to expedite the process ; however, XXXX stated that when I made my payment on XX/XX/XXXX that they are going with the balance previous to that date. That no mistake was made. I confronted the teller with the fact that they reported it correctly at first and that I have no issues with their reporting to XXXX and XXXX. I was told that those are different bureaus. I also told them that it isn't normal for XXXX to report on XX/XX/XXXX the correct amount and to change it a couple days later to a balance prior to XX/XX/XXXX when the balance should reflect the statement date. I was told to call XXXX XXXX myself at ( XXXX ) XXXX ext. XXXX. This number isn't a working number and because he was the one conveying the information to the teller and it didn't go well, I didn't see the point in trying any further. Not to mention that he works in the dispute department. I am entitled to a fair and accurate credit report. I am not asking for anything out of the ordinary ; however, I feel that XXXX is mocking me in their handling of this issue by trying to make this issue seem normal when it clearly isn't. I wouldn't be surprised if they change the reporting with the other two bureaus to make this seem completely fine. I am frustrated. I have a fantastic relationship with XXXX. I want to stay a customer of this credit union, but I need a solution and not tellers and bankers that refuse to see their errors and to just justify mistakes that cost me a chunk off my credit score.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-28
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. (TX)

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.

The letters are stated with items and issues.

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 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 2021-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

This is my 7th complaint about a loan that I have said for several years was paid. I have asked Navient and CFPB to review my concerns on several occasions. Navient has repeatedly stated that I owed {$37000.00} for three courses in XXXX XXXX. That would be a gross overpayment of educational fees. I am submitting as evidence the ledger from the XXXX XXXX XXXX  financial aid office. The ledger indicates that I only borrowed/ received {$13000.00} from Sallie Mae XXXX  Navient information is an error.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Re : Dispute of Charge Off Account # [ XXXX, XXXX ) Dear Sir/Madam, I am writing to dispute the charge off listed on my credit report for the above-referenced account ( XXXX XXXX XXXX  date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX  date of opened :XXXX ). I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. You are required to investigate this charge off and verify its accuracy, including compliance with Metro 2 standards for reporting. Metro 2 guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the Metro 2 compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report.

Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge off or meet Metro 2 requirements, the entry must be promptly removed. 

Please treat this dispute with urgency and provide me with verification within the legally mandated 30-day time frame. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX continues to report illegally a report which states I've made a late payment. According to 15 USC 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

I NEVER EVER RECEIVED WRITTEN NOTICE OF FURNISHING OF NEGATIVE INFORMATION.

15 USC 1681s2 ( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 

This must be deleted immediately.
Consumer complaint received 2021-01-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (SC)

On XX/XX/XXXX. I received an alert about debt being added to my credit report. I have no knowledge of the debt they say I owe, nor the company collecting the debt. I immediately disputed the item with the credit bureaus. I also received a letter in the mail dated XX/XX/XXXX advising me of this alleged debt. 

1. This company is offering for me to settle for a debt I do not owe. Why would I pay for something I don't owe?

2. This company is calling me after the debt is disputed and still is in dispute with XXXX. They should not be calling me until the dispute is completed.

3. I also sent this company a letter on XX/XX/XXXX disputing this alleged debt and debt validation. There is no original creditor -- only a debt description. I have no idea who XXXX MC is. I never had any dealings with either company. 
4. This company states this alleged debt with them is accurate ( with XXXX  Dispute ), but I am unable to find any information about this so called debt description of XXXX MC.