davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Paramount GR Holdings, LLC (CA)

Good leap Finacial approved for a loan to do solar and XXXX contractor fail to perform the solar, the contractor redid the contract. see attachements i filed a complaint against the Contractor and email and certified letter to Good leap not to pay the contractor but my email and letter was ignore. 
Good Leap never contacted me to open the account, never contacted me to signed any paperwork, never contacted to verified that the work is all completed before realizing the payments. 

since XX/XX/XXXX my lawyers WestonlawPC has been in contact with XXXX XXXX XXXX XXXX lawyer and my lawyers asking to hold off on any invoicing since work has not completed. see emails. 

also, i am attaching all communication that the works has not been completed and the i emailed XXXX XXXX Executive Vice president of Good leap to hold off on payments back on XXXX of XX/XX/XXXX with no response.also letteing her know that the contract was for a different amount that was financed {$47000.00} not {$55000.00} since the contract was change. 

XXXX Cassettes were installed wrong from, XXXX  condensers were installed wrong all this happened in XXXX and never corrected, finishing installing some other items but never had this resolved.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I don't understand how in my multiple attempts of dispute, nothing has changed. I don't think your company cares enough about your consumers because not only this has negatively impacted me, it has also diminished my opportunities and closed so many doors for me. I wish you could understand how it feels to be this hopeless knowing that these are being reported on my credit without proper verification and accuracy.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

To whom it may be concerned : I submitted a loan modification in XXXX of XXXX ; however, I never received a decision for that application. Although I received a letter from NationStar Mortgage Dated XXXX XXXX ; declined my application and the letter states " You have 30 calendar days from the date of this letter to provide us with written evidence that XXXX or more of the NPV input values is inaccurate .... '' I am so confused with the letter that Nationstar sent to me in XXXX XXXX in which the letter dated for XXXX XXXX and it talks about NPV something that I do not understand. I am still waiting for NationStar letter to respond for my loan application back in XXXX XXXX XXXX. I did not receive any letter for decision since the loan modification application submitted in XXXX XXXX, XXXX. They have had XXXX recorded of Notice of defaults XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I recently received letter in the mail and postings on the door of my house for sale date is XXXX/XXXX/XXXX. 
I also believe Nationstar Mortgage was wrongly filed a notice of default on my house back on XXXX/XXXX/XXXX because I made 2 months mortgage payment over the phone in the amount of {$2200.00} on XXXX XXXX by Representative name XXXX and confirmation number # XXXX. They said everything was ok ; however they return the funds on XXXX/XXXX/XXXX and filed a XXXX on XXXX/XXXX/XXXX. I strongly believe Nationstar Mortgage is just trying to foreclose my home and not at all in compliance with the law. I am a XXXX with illness of XXXX XXXX and this situation with Nationstar Mortgage is aggravating my sickness. First they are wrongly initiating a foreclosure secondly they never respond to my loan modification application submitting on XXXX/XXXX/XXXX and also they sent me a letter in early XXXX of XXXX in which the letter DATED XXXX/XXXX/XXXX saying that I have 30 days to dispute their letter. This letter dated XXXX/XXXX/XXXX is very confusing and contradicting. In the meantime, I was still waiting for their decision on my loan mod application dated XXXX/XXXX/XXXX and now they gave me a sale XXXX/XXXX/XXXX with no other information. I feel that Nationstar Mortgage is wrongly taking advantage of my situation. They are NOT in compliance with the law because their paperwork and actions are NOT in compliance. Please document attached to be submitted.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

Over the few last months, Synchrony Credit/Bank Services has adversely affected my credit rating with their maleficent actions. In my attempt to purchase a home soon, within the next XXXX months, their actions of decreasing my credit availability after substantial/meaningful and tactful payments to accounts owned by their company has created a trickledown that may prove to be insurmountable. These focused payments aimed to minimize and reduce my Debt Income Ratio ( DTI ) have been amplified by their maleficent practices that have become a repetitive action focused on American-born minorities. Their actions are preventing those who have had unforeseen hardships, primarily minorities, who want to rejoin the masses of what seems to be a dead American Dream of being a homeowner are only emphasizing the desperately of a flawed credit system that favors the affluent. This algorithm they religiously follow is specifically gauged toward the less fortunate and minorities. If you doubt that assertion please reference the stats and see the evidence or what ethnicity/class of the American-born population is mostly affected. Allowing these banks to continue these practices only emphasizes the theory that the rich get richer and the poor get poorer. These practices must be addressed and they should reverse their decision and reinstate my availability. I have never been late ( XXXX  days ) on any Credit Cards they manage and own. My creditworthiness should be judged by my ability or inability to pay my bills regularly. Their static dynamic algorithm is flawed and only emphasizes a flawed creditworthiness grading system. If they do not reverse their decision, I already requested via interaction with XXXX of their representatives on XXXX, I will pursue legal action for defamation of character. They have injured me ( creditworthiness ) by their actions as their false statement ( Credit Reduction ) is public ( FICO ) and injures my reputation because others believe it is true namely other credit granting entities. By their actions, Synchrony Bank has made a broad statement that is seen as a fact by other companies and is hoping to hide behind a computer-generated rating that is flawed and gauged against people of my ilk who are trying to come back from adversity and recapture a dying dream of owning a house and living the American Dream. 

As on yesterday they minimized another account and affected my credit DTI and Score again. This has to stop
Consumer complaint received 2024-06-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY (GA)

Please see the details in my complaint previously submitted as day ago-Complaint # XXXX In the vain of providing full disclosure and transparency I am adding this addendum to the complaint and resolution. Please see below. 

**FOR THIS COMPLAINT MY OLD PHONE NUMBER POPULATED AND I DID NOT CATCH IT. 
The correct phone numbers are-XXXX or VOICEMAIL at XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XX/XX/year> XXXX Fradulent names and addresses were-added to credit reports Reporting agency denied removal. 
Names and address used fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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: Resurgent Capital Services L.P. (OH)

XXXXXXXX XXXX  has incorrect information on my credit report I never owed them any money but it says I have a balance of {$2200.00} as of XX/XX/XXXX XXXX XXXX has an old account reporting that I have a balance of {$420.00} dollars from XX/XX/XXXX when my credit was actually raised to a higher limit of {$500.00} and is still open but list the old card as in collections XXXX XXXXXXXX XXXX  says I have a balance of {$1000.00} When card was paid off 3 years ago XXXX say I have a balance of {$600.00} as of XX/XX/XXXX and I never had a XXXX charge card XXXX XXXX XXXX  says I have a balance of {$710.00} and I never had a card from them
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC (DE)

Please review the following information in reference to dispute of my delinquency on my mortgage. On XX/XX/XXXX we processed a payment with XXXX XXXX  ( XXXX ). This payment was apparently never processed despite them sending us an email that it was processed. Please see attachment .XXXX  XXXX then sold my mortgage to Flagstar XXXX XXXX ) I just recently learned since XX/XX/XXXX my mortgage has been late, it was not reported to the credit reporting because it never reached more than thirty days past due. Flagstar has not made any attempt to advise us of this delinquency via email or via phone. Their statement reflects a fee but does not provide an explanation of what the fee is. Please see attachment Flagstar bank continued. charging late fees until XX/XX/XXXX XXXXThey made no attempt to advise us of the delinquency from XX/XX/XXXX until XX/XX/XXXX XXXXThey have refused to provide proof of any attempts. In XX/XX/XXXX again my mortgage was sold to XXXX XXXX ( XXXX ). I still had no knowledge that my mortgage was late at this point. We received an email from XXXX XXXX stating that we are no longer to make a payment to Flagstar and XXXX XXXX  will begin accepting payments XX/XX/XXXX because of the sale. Please see attachment. My account then hit thirty days past due because of this, even though I had no way to make a payment prior .This is a violation of RESPA This 30 day should not be valid and I want my thirty day delinquency removed off of my credit report .This mortgage delinquency is the fault of 3 mortgage companies Wholesale Mortgage for failing to process the payment .Flagstar for failing to attempt any collection efforts and XXXX  for failing to be available to process payments in a timely manner. I believe all of them are committing a UDAAP violations as result. I am asking for all credit reporting to be updated as well as all fees reversed and applied to the mortgage due to this gross negligence. In addition I want Flagstar to be required to notify of mortgage delinquency by mail for all customers.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (AL)

Per - The Privacy Act of 1974-the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. According to the Fair Credit Reporting Act 15 USC 1681 section 602 & 15 usc 1681 subsection ( B ) - Permissible purposes of consumer reports- ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( the Company has not had My Written consent to report any impact on my consumer report file ) They Do " NOT '' have my Written Permission to report. I am Now Opting Out From any and all Authorization, That ( I ) the consumer, May have given you, Written, unwritten, verbal, nun-verbal per 15usc 6802. And it is Effective Immediately, and Effectively.

[ 5 U.S.C. 552a note ] ( a ) ( 1 ) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security account number.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I requested proof of all documents including all applications, identifications or any information that may have been used in aid of me rectifying these fraudulent accounts. Legal court documents were also sent to the address on file from a tenant at that address regarding the dissolution of debt which is what brought the awareness to my credit report in which the company has received and should have been resolved. This is also public information. There is no way in which I can provide card numbers or security codes for cards I've never obtained nor attempted to obtain. There are two accounts that have an approximate value of XXXX XXXX  that are fraudulent and the company had and still has no permissable purpose to add fraudulent information to my credit report. I have nothing to show, prove nor represent in regards to this matter, ONLY COURT DOCUMENTS FROM THE XXXX XXXX COURT which have been previously sent in to the credit bureaus and the creditors.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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 has reasonable cause to believe 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 and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans union is inaccurately reporting that both XXXX and California accounts XXXX XXXX are both open. They have been charged off for years and now they are inaccurately reporting that Im missing payments. Both XXXX and XXXX have removed, now TransUnion needs to remove them completely too. 15 usc 1681. I will have to contact the law if these arent removed immediately. They are defaming me and need to be removed
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MY NAME IS XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have I have recently disputed this account it was updated but my request was to DELETE credit card ACCOUNT NAME XXXX ACCOUNT XXXX : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.

DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW.

This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!