davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

A XXXX XXXX stole a check from me and cashed it for {$900.00}, citizens bank denied my claim saying that my signature matched others I wrote but XXXX XXXX had access to pertinent information including my signiture.who in their right mind would let me give a check knowing I would call the police and file a report and now there is an arrest warrant out for him.it doesnt make sense.he also stole my identity
Consumer complaint received 2022-12-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (VA)

I'm a former XXXX XXXX customer, now that they are closed and filing for bankruptcy. I contacted Sunlight Financial because they facilitated our solar loan through XXXX XXXX for XXXX XXXX. I described my issues, such as install problems, property damaged and stolen property, items not installed that were in my contract and my system install not what was purchased in my contract, rebate check never received, XXXX XXXX for a reimbursement that i never received and the list goes on. Sunlight is giving me the run around as well as XXXX XXXX, they do not want to take responsibility for their part in this scam and even go as far to tell me that the items i listed weren't in my contract. 

I have documented everything, emails, text, calls and complaints. I have been fighting back and forth for XXXX even before XXXX went belly up. I have literally had to babysit the entire project from beginning to end just to get it operational, argue along the way about my list of complaints only to get nowhere. 

Last XXXX  I sent Sunlight and XXXX XXXX the XXXX XXXX 's letter that requested the loan companies to suspend the loan payments to customers due to the court filing and the current investigation by XXXX other XXXX XXXX 's. I have not heard a word back and I doubt that I will, I have sat on calls for XXXX waiting for a representative to answer, transfer me over and over or just hang up on me. 

I feel that I can in fact prove breech of contract with the documents and information that I have on the part of not only XXXX XXXX but Sunlight Financial XXXX XXXX XXXXXXXX. The XXXX attachments, # XXXX is the first page of my contract with XXXX XXXX and Sunlight Financial, the system size is XXXX, the # XXXX is the application from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on my property. 

Last attachment is from another company that I had receive and estimate for solar prior to speaking to XXXX XXXX. Their system is XXXX less but XXXX system, XXXX XXXX with Sunlight Financial and XXXX XXXX are ripin people off. 

I'm willing to provide any and all the information that i have if needed.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. Remove these late payments because I was never 30 days late on XX/XX/2022 I was only 27 days late XXXXXXXX XXXX XXXX Account Number : XXXX Please submit onto XXXX  Form and please remove late payments under section 1681s ( 2 ) ( b ) 2. This account is inaccurate because according to 15 USC 1666a a creditor can not adversely report to anyone about a consumer 's credit rating because of the obligor 's failure to pay. This can not be reported delinquent to a third party until the consumer has been given the same amount of days to make payment as provided in the credit card agreement. 
By them reporting this to a credit reporting agency is inaccurate reporting and a violation of the Fair Credit Billing Act XXXX  Account Number : XXXX Please Submit to XXXX XXXX and please Delete under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S C.1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions,
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio (OH)

Debt collector has re-aged a older account, Date of delinquency from original creditor who reported the date of first delinquency by years account was from 2015 they reported new open account for XXXX XXXX able to have removed of XXXX an XXXX but not XXXX, not sure if I should upload files here because it contains personal information Name of creditor is XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX number ( XXXX ) XXXX
Consumer complaint received 2022-10-18
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)

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 XXXXXXXX The above has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I wrote to Experian letting them know the information on my account is incorrect. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inaccurate Phone Number : XXXX Correct Phone Number : XXXX Lastly, I would like to inform you that my current employer is XXXX XXXX XXXX 

However the information still exists on my credit profile, making it difficult for me to clear backend screening for a job application.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation (TX)

On XX/XX/2020, during the 30+ plus days where the temperature exceeded 100 degrees. My air compressor stopped working. I contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX at ( XXXX ) XXXX. The service tech XXXX came out and explained our freon was low. After filling the freon he explained that the type of freon our unit needed was no longer an approved freon within the State of Texas. 
XXXX said in the future to add freon would cost us a minimum of {$900.00} per pound. He recommended a maintenance plan which we purchased. During that conversation, XXXX also suggested that we consider replacing the unit since it was almost 20 years old. He informed me of the various financing options. We agreed to have another representative come out to talk with us. 
XXXX ( sales representative ) came out and XX/XX/2020, and he sold us the entire Heating and Air Conditioning unit for {$10000.00}. He discussed the special financing 48 months, same as cash upon application approval. 
We did not want to make a joint application in fear it would be declined. Therefore, we ran provided my SSN and my husbands SSN. XXXX ran my SSN first and I was approved. 
There was no need to run my husbands credit, so he didn't. I signed the contract. 
When the statement came in the mail it was under my husband 's name and not mines. 
Once we received the first bill, we set it up on auto draft in hopes to pay it off quickly to prevent the finance charges. 
After 6 months, we received an invoice showing finance charges greater than {$3000.00}. I immediately contacted Fortiva and was advised their company does not offer 48months same as cash. They only offer 6 months. I explained the contract I signed and asked them to provide a signed contract in my husbands name that outlined the 6-month term. Fortiva instructed me to contact XXXX XXXX. They also advised me there was no signed contract they received from either XXXX or myself. 
I immediately contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I was informed there was nothing I could do. I asked for a copy of the signed contract showing my husbands signature. I was informed there was no contract. I have tried to explain to both companies that the contract was in my name and that I was the only person that was approved for the 48months same as cash. We have continued to pay Fortiva and now owe less than {$3100.00}. 
This loan would be paid off if the contract I signed was honored. There is no credit bureau reporting being provided for me since the loan is in XXXX name. 
I am reaching out to your Consumer Complaint department because this is fraud. We should have finished paying the {$10000.00} had they not added the finance charges. Please assist if possible. 

We are currently on paperless statements ; I reached out to Fortiva and was advised I would be unable to print my statements. I requested all the statement for my account. I am currently waiting for a response.
Consumer complaint received 2023-09-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

I made a {$350.00} purchase online XX/XX/23 at XXXX advertised as 12 mos. no interest. I was confused about the contract language and wound up contacting Synchrony about how the payments would be applied. I was not satisfied with that arrangement and received instructions from them via chat about how to make additional payment and have that additional payment reallocated to pay off that deferred interest contract. I followed their instructions on XX/XX/23. 10 days later, I received a letter denying the request. I chatted with them again XX/XX/23, and they promised again to reallocate the payment. They've failed to reallocate the payment by the promised time, yesterday, XX/XX/23.
Consumer complaint received 2023-05-02
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. (NJ)

I noticed that they are reporting late Payments on accounts that were never late which violates my consumer rights For reporting Fraudulent information XXXX XXXX Remove Inaccurate Credit Information In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. 
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months receipt of this letter, or you must remove the incorrect information.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IA)

I am in the Public Service Loan Forgiveness program and need to sign up for a repayment plan that maintains my eligibility for this. The Loan Simulator on the studentaid.gov website was very difficult and wouldn't account for my husband and I filing jointly, not having our individual XXXX  ). 

I called my loan servicer, MOHELA, for more accurate information -- but they did not tell me I could self-report and use my income from XXXX for up to six months. They asked for my XXXX from XXXX and then could not calculate an accurate estimated payment because I didn't have my individual XXXX, just my husband and I 's combined XXXX, since we filed jointly. It was not at all a payment amount that was accurate, but they told me to apply online with this information anyway. I knew the window for applying for a repayment plan was closing soon, so I did what this person told me, but it's still processing -- my application that is, and my " payment '' is due in 2 days, but I don't know how much I owe and they have not put me in administrative forbearance. 

They also couldn't confirm whether or not the payment I was to make XX/XX/XXXX ( which was based off my old repayment plan in XXXX ), would count towards my PSLF if they didn't process my repayment plan application by XX/XX/XXXX. 

I called today and was on hold for 5 hours and 51 minutes and then was disconnected! I took all day off to deal with this and then was hung up on. MOHELA had so much time to prepare for repayment and they're botching this. They're causing so much undue stress and financial trouble for student loan debtors. Please do something! WE NEED YOUR HELP!
Consumer complaint received 2022-12-03
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. (NC)

I have reached out to XXXX and Enhanced Recovery on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my Equifax or XXXX and/or XXXX XXXX report ( XXXX ) : * Date of Last Activity * Date Reported * Date Opened * Closed Date * Last Payment However, this inaccurate information is still being verified and reported by XXXX and the credit bureaus each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request the XXXX account XXXX be removed immediately from my credit report with XXXX XXXX XXXX XXXX and Equifax XXXX XXXX is in direct violation of my rights under FCRA by reporting inaccurately. 

Also when attempting to make contact in order to resolve my concern, XXXX refuses to assist and forwards me to Enhanced Recovery Company. When I contact Enhance Recovery, they inform me that XXXX is reporting to credit bureaus not ERC, therefor they can not assist with the inaccurate reporting. An ERC representative on the phone informed me they do not report data to credit agencies, they collect only and the information being provided is coming from XXXX XXXX. I have been sent back and forth between the two companies with no resolve. 

I can not verify or validate any of the information on my credit report concerning XXXX. I have contacted XXXX on several occasions but XXXX refuses to report accurately. 

I request account XXXX be deleted immediately from my credit report.
Consumer complaint received 2022-12-03
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a XXXX and got paid by a customer with a cheque which I deposited in my account, the bank ( Bank of American ) closed my account, they said because they could not locate the account. 

My credit score on the Banks app shows XXXX XXXX XXXXnts and when the Bank closed the account it was reduced which is understandable, I reported the issue to XXXX and I got a report that was even worst, it says my XXXX score is XXXX. 

Last month XXXX the XXXX score got more reduced, I want redress and compensation.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (WI)

Several times in the last 3 years I have communicated and spoken with representatives of the XXXX XXXX XXXX organization. I signed a contract with them to pay my debt to American Express for less than I owed. They continued to negotiate with American Express on behalf of me to settle a debt as American Express would not negotiate any less. I could only afford {$640.00} per month no matter what was negotiated. I am a XXXX XXXX XXXX XXXX  women with limited XXXX XXXX  and XXXX. During that time they allowed me to be summons to court. They found a local attorney to represent me. Unfortunately they also negotiated another agreement with XXXX XXXX  XXXX ( attorneys for American Express ) which I also signed. At the time I did not understand that this agreement would have me paying approximately {$10000.00} more than my original debt to American Express! I know ignorance is no excuse. I always told them my intention was always to pay my debt that was due. I thought they had my best interests while negotiating on my behalf. I was wrong. When I realized the mistake, I terminated my contract with XXXX XXXX XXXX and contacted XXXXXXXX XXXX XXXX  myself. They were reasonable and agreed to settle for 50 % of what I still owed. As a result of working with XXXX, I will still be paying approximately {$3000.00} more than my original debt to American Express, which was XXXX. I have no other debts.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (GA)

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. 

Account name : XXXXXXXX XXXX XXXX Account Number # XXXX : Account Name : XXXX XXXX, Account Number # XXXX : Account name : XXXX XXXX XXXX XXXX Account Number # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This CFPB Complaint serves as a follow-up to my previous CFPB Complaint, requesting that the Credit Reporting Agencies investigate and remove the account that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to the Credit reporting Agencies to have this erroneous and damaging account removed from my Credit File. In that letter, I attached a copy of my personal identifying document to prove that it was I who submitted the request. I requested the Credit Bureau to thoroughly investigate the following account and have it removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX  XXXX XXXX XXXX : XXXX. This account is clearly erroneous and misleading and must be removed from my Credit file, the sooner the better. I have attached the letter I sent on XX/XX/2023, for I fear that the letter I sent would not be received by the Credit Bureau. This complaint serves as my assurance for the Credit Bureau to receive the letter.