davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC (GA)

We signed up for a solar panel system. The system was installed but has never worked. We paid several months worth of payments while waiting for the system to be functional. We owe {$100000.00} on a system that does not work, no company- either XXXX or XXXX XXXX will provide techs for warranty work, we are receiving no electrical credit from the power company, and the company we bought the system through withheld the promised rebates, lied about several aspects of the system, and went bankrupt leaving thousands owing money on junk that is worthless. Goodleap is aware of the systems not working and have been contacted by attorney generals in other states but continue to harass us by phone and showed up at our house today. They are threatening legal action but no one cares that it is for a system that doesnt work.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-29
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: Experian Information Solutions Inc. (FL)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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: Experian Information Solutions Inc. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/23 I received in my mailbox 15 debit cards from the Navy federal credit union that I never applied for. I contacted them about this and they were shocked that this happened. I also received text messages from them on XX/XX/23 if I used a card for {$1.00} several times. They told me that they are going to close the account and follow through by calling me on Monday to see what to do next.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I recently reviewed my credit report, and noticed some fraudulent accounts and inaccuracies. I would like removed from my credit report as it is hindering me from getting credit, and also causing hardship. 

Also according to Title 15 USC 1681 : As the consumer I have the right to privacy and I did not give written consent to furnish any information or these accounts.
Consumer complaint received 2023-01-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (MI)

As of XXXX a garnishment was placed for a company that is under a Class Action Lawsuit by CFPB and New York Attorney General vs Credit Acceptance Corp. This company is being sued for predatory lending which targets low-income families and provide them with non-working vehicles and interest rates that are completely unaffordable
Consumer complaint received 2023-05-11
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. (NC)

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXXE XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
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: Experian Information Solutions Inc. (MD)

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 2022-11-03
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. (TN)

The information XXXX  XXXX XXXX of {$1200.00} from XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached documents.
Consumer complaint received 2022-11-03
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-12-05
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. (TX)

FCRA Violation: name and address not mine XXXX
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, CO
XXXX XXXX XXXX XXXX XXXX, CO XXXX

XXXX XXXX XXXX XXXX, CO
XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX Violation: hard enquiries not mine
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 2022-12-13
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXXXXX has me at a score around XXXX That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies. 

I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it. 

Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, account number ( XXXX ) Failure to do so will result in legal action taken against your company. 

I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within 30 days, as required by the GLBA
Consumer complaint received 2022-12-05
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. (CA)

I have attached an FTC report with inquiries and collections I did not authorize, Please also update my personal info and revise the letter sent with an account reporting inaccuracies that also needs to be deleted
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX I used online XXXX to clarify proof of debt. They sent me the XXXX promissory note and deed of trust. XX/XX/XXXX I sent XXXX the Opt-Out of third party personal information sharing. They refused and said they are following instruction from XXXX. 

XXXX, Experian and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my XXXX XXXX, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers Incorrect non-matching account type-detail incorrect non-matching date opened Incorrect non-matching balance Incorrect past due Incorrect payment status incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

The courts and the source of data XXXX XXXX have verified that the bankruptcy XX/XX/2022 reported on my credit file is not mine and is inaccurate. Yet the credit bureau continues to report as accurate causing me grave financial harm. If this isn't immediately fixed I will have no other choice but to file a suit in federal court.
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: Experian Information Solutions Inc. (SC)

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 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a letter to the 3 Credit Bureau on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAIN, and I'm including it again XXXX XXXX BANK XXXX XXXX XXXX {$1600.00} ; XXXX  XXXX XXXX {$0.00} ; XXXX BANK XXXX Balance {$2700.00} ; XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$37000.00}.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (WA)

Per Mr. Cooper representative, XXXX XXXX, XX/XX/XXXX @ XXXX mortgage payments in Forbearance will be added to the end of the loan. XXXX said someone will reach out to me before Forbearance ends to discuss whether I need to continue Forbearance or can resume payments and all missed payments would then be added to the end of the loan. Now that the Forbearance has ended Mr. Cooper is saying payments can not be added to the end of the loan and my investor does not allow modifications. Mr. Cooper did this same thing to me during the height of COVID and on XX/XX/XXXX was found by XXXX to likely have violated the Consumer Loan Act of deceptive practices. 

Also, Mr. Cooper has started the foreclosure process and on the FORECLOSURE LOSS MITIGATION form - Declaration Pursuant to XXXX XXXX- they taped to my door, a box was checked saying they contacted me to assess the borrower 's ability to pay and the borrower responded but did not request a meeting. This is false. The only correspondence I received from Mr. Cooper regarding my ability to request a meeting was in XXXX of XXXX. So I sent a letter via certified mail with a return receipt requesting said meeting and never received a response from Mr. Cooper and so the meeting was never granted even though someone from Mr. Cooper signed the return receipt acknowledging receipt of my request.
Consumer complaint received 2024-03-11
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. (NY)

I just recently looked at my Experian credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXXXXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXXXXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warningXXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX BALANCE {$1100.00} and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. Please remove.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OK)

Received marketing letters once a month from Chase for the last 18 months to apply for the Chase XXXX Credit Card. Four of these letters are currently in hand. All advertise the ability to apply for a credit card with a given sign up bonus and state that you will be considered if you do not current have the card nor have received a new cardmember bonus within the last 12 months. No other limitations are stated on the mailings limiting the application or guaranteeing rejection for certain subsection of candidates. 

The application rejection letter was sent out on XX/XX/XXXX and received it on the XXXX. No reconsideration was implied and no number or contact information was listed. After rereading the back of the letter and searching online, I discovered that they have a policy of denying and not reconsidering all people with 5 or more new accounts in the last 24 months. This information was not listed anywhere on their website or on the application. They claim it is not a policy, but a rejection reason. They did not offer any proof that it was not a hard policy or rule. This adversely impacted my credit score based on an unwritten policy claimed to be a trade secret when it is currently public knowledge. This also constitutes false advertising as it implies consideration when none is intended. They also are collecting financial information at the detriment of the applicant with no intention of offering the card, but to a subset of individuals for non-credit worthiness reasons. The original rejection reason also discriminates against age since younger people would open more accounts within a 24 month period than older, established individuals.