davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC (FL)

I signed up with XXXX solar services XX/XX/XXXX for solar panels. They installed the panels in XXXX XXXX XXXX The solar panels were installed for months with no active service due to company failing the XXXX XXXX XXXXXXXX XXXX therefore the company had to resubmit the permit application. However I was getting billed for a service that was not even working at the time. I contacted XXXX via phone and email which I have all emails on file. I took the company months before I could receive a reimbursement check after making serval attempts. XXXX XXXX then took over the company and things only gotten worse. Mosaic which is the finance company for XXXX XXXX XXXX billing me which I could not afford to make any payments due to the fact I was still had to pay my electricity bill with XXXX. This company has been giving me the run around and I made several request to cancel my services but to no avail. In XXXX I made a complaint regarding the damages the company did to my roof when they installed the panels because my homeowners insurance would not renewal my policy due to the broken damages. I filed a complaint with Mosaic informing the company that I have to pay my electric bill that I can not pay off a loan for a service that is not operable. I filed 2 complaints with the XXXX and help me XXXX. I was threatened by XXXX XXXX that if I don't with to proceed with the project that he will forward my account to collections. The only reason why XXXX got involved in my case because I filed the complaints with the XXXX. I have sent several emails to the company requesting cancellation of my project. Issues regarding the cancellation of my homeowners insurance but to no avail. They also sent a crew of the workers to my home without informing me that they were removing the panels off my roof. Therefore the solar panels has been detached off my roof for a year now. XXXX never completed the services and I informed them that I no longer want there services. However Mosaic attempted to put a lien on my home without even informing me. I have negative impact on my credit report for this company. XXXX XXXX is very unprofessional unresponsive and and provide unreliable service and I totally regret doing business with them. Mosaic removed the lien off my home in XXXX XXXX XXXX  and canceled the loan. I am not sure what is the status because I have negative impact on my credit report as a Mortgage and Home improvement loan. This is very unfair how I have been the victim in this matter and was obligated to pay for a loan for a service that I never received any services for. The same way they gave me false information regarding a tax credit and it will help me pay off the loan but I never received anything when I filed my taxes. I have all supportive information pertaining to this matter.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

I am writing to complain about an issue I faced with XXXX for the past 2 months. I have had checking account with Chase bank since XXXX. On XX/XX/XXXX at XXXX pm, I tried to XXXX {$2000.00} to the following individual : XXXX XXXX XXXX. 

However I accidentally clicked the wrong contact and they payments was sent to them. I immediately noticed the error and called the bank as the payment was in the pending status. It took approximately 10 minutes to connect and as soon as I was connected to the representative I told them the whole situation and logged the complaint. They clearly told me that they would contact XXXX and get back to me within 24-48 hrs and that once it had been taken care of they would take about 10 business days to get the money refunded. They unfortunately did not not call me back and I called them after 48 hours to get an update only to hear that they cant help me and that I needed to contact XXXX myself. Frustrated, I then called XXXX customer service. They did not pickup the phone. Also point to be noted is that there is a recorded message when you call them that that if you use XXXX then contact zelle BUT if you used zelle through online banking then you should contact your respective bank. Now I have XXXX saying they can't help me because I used them though Chase and Chase saying they can help Me and to contact XXXX. I also ended up emailing XXXX customer service as a last restart but aside from an automatic reply I got no response. 


XXXX case reference no XXXX dated XXXX XX/XX/XXXX. stating i should contact respective bank. 

I called Chase again on XX/XX/XXXX and scheduled a phone meeting while I was out of country. The chase banking XXXX spoke to was named XXXX XXXX. He said they could not do anything but would expedite my case for further investigation and request for refund. Once he expedited the case to senior management, I got call back again after few days and was told that they could not refund my money. 

I believe it is Chase banks duty to protect my funds and if they have integrated zelle app in their system they should setup safety checks as well to avoid wrong payment, it should be setup option for new payee and confirmation by text message and warning.

also How chase bank and zelle able to sync my all contact book to sync because there were many contact which i don't know personal as it may be belong to my workplace customers.

I am kindly asking for your assistance regarding this issue. Chase bank and XXXX have both been unable to help or provide instructions on what to do next. I now have a loss of {$2000.00} which isn't a small amount in this current economy. Thank you for taking the time to hear my case and I look forward to your response. 


Best Regards, XXXX
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

Recently TD Financing/ Bank ( specifically for me - the XXXX XXXX card ) has switched from a website 'onlineaccessplus ' to 'mytdfinancing ' with no warning. The completely disabled the previous website. I go to enter my information in the website it redirects you to. It says my password has expired and to request a new one. I try and it says account not found. Try with card number. Also says account not found, please contact customer service. No problem, you'd think however i have called them numerous times for the past week, on every phone number i can find for them, including obviously the one posted on their website. Have waited for over 90 minutes multiple times everyday starting on XX/XX/year> and have yet to been able to get in contact with anyone! I'm not even sure it directs to a call center and is not just an endless loop of the same song! I have payment due and missing it will negatively effect my credit but i have no way of making one! It ridiculous and this can't be legal. How can you switch website, lock out an account by saying the password expired and then have no customer service and still have the right to report a missed or late payment on someone credit report? I can provide proof of my attempts to contact them and screenshots of the wait times. I honestly dont even know what to do, i just want to reset my password so i make a payment. Literally have no missed payments on my credit report or at all before this.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-06-27
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid a XXXX card in full but there was accumulated interest that was not on my statement. I was not made aware of that until after I had a 30 day late put on my credit report. I paid the balance in full soon as I found out about it. I contacted XXXX but they would not correct the situation.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TX)

Checking my credit report a few months ago, I discovered errors regarding the account of ELAN CACS CC ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (VA)

XXXX sent me a refund back to my chime bank account, chime had closed my account and they stated a month ago that they were going to send my money to my home address, now a whole month has passed and I still havent received my money so I called chime again to get an update and an agent stated I wasnt eligible to get my money back then the supervisor told me that I had to pay him in order to get my money back this is crazy and illegal.
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC (TX)

On XX/XX/XXXX, I spoke to a salesperson, over the phone, at XXXX XXXX XXXX XXXX XXXX ; about about possibly purchasing a vehicle. A XXXX XXXX XXXX XXXX was pitched to me for {$29000.00}. I inquired if I was given all of the paperwork that I signed. I was told that the bank would contact me about the paperwork. I never talked to any bank How did they get my information without my permission? Flagship Assurance did contact me and I asked to see the paperwork. I never got the copies that I asked for.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Hey my name is XXXX XXXX i m XXXX. i have home depot credit card for several years. i have been notice there are some charges on card that i tried report dispute charge and they dont help or refund money back because they think its my responsible. said i have to owe XXXX which is not true. i m trying to fix this problem with them but they refused help me and they said i have to do something else to fix this. i m not sure how to fix this problem.. i want them remove all amount on credit card so put in good standing. I tried so hard to fix this problem.. also they keep hang on me on the phone because i used relay since i m XXXX.
Consumer complaint received 2024-07-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (MN)

In end of XXXX beginning of XXXX I submitted an application for losses mitigation at the time I was only 7 ( around {$5600.00} ) payments behind. They denied because it was only reviewed for a a modification whitch wouldof increased my payment to something i couldn't afford but wasn't reviewedfor anything else. So I submitted another application on XX/XX/XXXX only 8 payments behind ( around {$6200.00} ) for all options for mortgage assistance and it was denied because the company thought it was a appeal. So another application was submitted end of XXXX specifically stated to review for all options. In XX/XX/XXXX the company asked for documentation for my child support proving i was receiving it so the application wasn't put into review until XX/XX/XXXX ( i was only 10 payments behind ) Was denied for all saying the mortgage was over 12 months behind. If my first or even the second application was reviewed for all options available I would have qualified for a partial claim that I can afford. I have to add that my first application the lady I talked to at the bank told me to put on my application to the owed amount at end of mortgage. She didn't discuss any other options to me I only found out more about my mortgage program through XXXX only found out more about my mortgage through her.
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (TX)

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Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

td bank already gives me part of the money back. that should be an thank you. td bank system had a problem, they dared to tell me I can't had an account there anymore. First time they closed my account ; they did the math wrong. the second time, I close my account myself because an unauthorized account was opened for me. this is the third time ; they closed my account and sent me an email and letter talking about XXXX is XXXX and XXXX XXXX and XXXX XXXX  had problem but problem those are authorized by the whole united states of America.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MI)

I noticed on my credit report inquires from companies I never applied a a credit card for. I believe I got XXXX of the XXXX resolved but got denied on macys XXXX XXXX card. The activity happened on XX/XX/XXXX and XXXX 2024. I called companies in question and closed accounts and reported fraud. I also went to XXXX credit bureau sites and froze my credit. I also submitted report on identity theft.gov
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (OK)

I was hung up on twice when speaking with Representatives Regarding why my account is over the limit the high interest and the annual fee of {$120.00} which caused me to go over the limit I have not even had the card a year to be charged an annual fee
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (NJ)

I have unauthorized accounts on my report I do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Consumer complaint received 2024-06-27
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. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-07-29
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: Westlake Services, LLC (VA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.