davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (SC)

Goodleap has been using fraudulent lending practices. The companies that they partner with, specifically solar loan companies, are using misleading sales tactics to get customers into loans. During the process of applying for our loan, the only information collected was a basic idea of income and a credit check. No pay stubs were acquired and a bait and switch was used during the signing process. We were showed an approval with specific payment details and when we received our final paperwork- the amounts were different. We did not realize this until recently when going through all of our contacts for the solar company and Goodleap. Goodleap was aware that this company was promising customers that they would save hundreds of dollars and become independent from the electrical grid of their electric companies. This was not true- instead customers are left with the same electric bills and now a loan bill for a solar system that does not work. Our home went with a system that was not functioning for 6 months. It was " fixed '' and is again not functioning. We asked Goodleap for help in getting this issue resolved since our solar company shut down/filed bankruptcy. They've " escalated '' this issue twice in 2 weeks and we've still had no one respond to us. In the meantime though- they've been sending harrassing emails to us asking for payment. We are at this point less than 10 days late on our payment. We've made them aware we will not be making payment until this issue is resolved with our system. It is unfair for us to continue to make payments on a system that is not working. Especially when they're aware of the issue. In addition to this- they've used tactics previously of sending people to our home to intimidate us into making payment. The person who showed up said you're past due and we need photos of your system in the event we need to lock them. No legitimate loan company would use tactics like this. They would not send someone in person to intimidate you into making payment- and they would not send 10 emails a day sometimes asking why payment isn't due. Threatening to shut your system off when you're a day late. Customers, including us- know our Holder Law rights. We will seek counsel if need be.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the XXXX  both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXXXXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2023-06-14
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (MO)

XXXX/ Destiny credit card balance was incorrectly posted to my XXXX credit report. It says the balance went from XXXX to {$270.00}. The statement is below you can CLEARLY SEE THE BALANCE IS XXXX. How are these errors occurring???
Consumer complaint received 2023-02-02
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (TX)

I started speaking with the company early XXXX XXXX XXXX, mentioned my situation an told them I would reach out when I was ready to resolve debt after that Ive received frequent calls every following week sometime multiple times in a day, I finally answered an told the agency to stop reaching & theyre still contacting me every other day & company has never sent documents I asked for
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Grain Technology, Inc. (AZ)

On Friday, XX/XX/18, Grain sent a notification to customers about a new terms of service. They proceeded to say if the new terms were not accepted by Tuesday, wed be subject to higher fees. 

I read over the document but would like additional time to get a legal consult before accepting. Forcing customers to accept new terms over a holiday weekend should not be legal. 

I reached out to Grain via the email listed on the document ( XXXX ) and it is NOT a valid address. 

I found a way to open a support request via their website, XXXX, but was not provided with a valid response to my concerns.
Consumer complaint received 2022-09-10
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (FL)

On XX/XX/2020 I received a notice from XXXX that there had been a change to my credit score. Upon reviewing the details, the alert noted an inquiry was completed on XXXX, XXXX and XXXX by Quicken Loans. This unauthorized inquiry decreased my credit score by a total of 9 points and moving me down from an excellent credit standing to good.
Consumer complaint received 2019-12-05
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: Experian Information Solutions Inc. (CA)

To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of XXXX, XXXX, XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX XXXX with ACCT XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.
Consumer complaint received 2023-01-02
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. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT & FRIVOLOUS. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. XXXX is robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, and XXXX account # XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is XXXX XXXX XXXX, I have tried contacting XXXX and Trans Union and XXXX regarding my name on my credit report. 

Only XXXX has changed the Wrong information and put in the Correct, please check. 

I showed proof To XXXX and Trans Union of my Social Security number and Drivers License that both state my correct name and no other which is XXXX XXXX XXXX. XXXX has not changed my name with 2 Main Government Identifications. There Seems to be names on my consumer report that are wrong, these names are : WRONG NAMES : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... ..ALL these Names are INCORRECT AND NOT MY NAME, THERE IS SOMETHING TOTALLY WRONG WITH MY REPORT. 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are incorrect and not mine. 

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for Several Years now. 

CORRECT NAME AND ONLY NAME : XXXX XXXX XXXX My Only Employment is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " I have worked here for over XXXX, I do not work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other Job. 

My Correct Information for my Consumer Report should be : Only Name : XXXX XXXX XXXX Only SS # : XXXX Only Birth Date : XXXX Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Only Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have Attached Correct Documentation Proving Who I am. Please have this corrected for it is totally incorrect, I should only have 1 name and address etc which is Mine. All this wrong information is hurting me in tryin to buy a home for my family. 

Also I noticed on my credit report that someone Authorized a Personal Statement of Fraud. I have never gave this permission. Please remove that statement. 

Thank You Guys for your help XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On XX/XX/2023, I was charged {$100.00} through an app by the name of XXXX XXXX XXXX XXXX Though I recognize this company, and was looking forward to doing buisness with them they did not hold my reservation for rental car. 
Not only was the rental company ( XXXX ) unable to provide me a vehicle, they changed my desired pickup location in XXXX XXXX, to downtown XXXX off of XXXX XXXX. I battled with this company since day one, even told me that I wasnt eligible to be refunded, even though I purchased their peace of mind protecting which states if I encounter problems at counter then Id get a refund in THE FULL AMOUNT. 
Chime has since recieved all information, documentation and proof regarding my claim. They told me I wasnt eligible for provisional credit. Come to find out 4 days ago, CHIME MISCATAGORIZED MY DISPUTE and now Im having to wait even longer. Im told the dispute status will be resolved by the XXXX of XXXX.
Consumer complaint received 2023-05-31
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. (TX)

XXXX XXXX keeps putting a collection on my credit report. I have a letter from them dated XX/XX/2021 stating that they will remove item from credit report AND it will NOT be re-reported to the credit reporting agencies by XXXX XXXX XXXX XXXX. Since I have received the letter the fraudulent debt has be sold to countless agencies that report the same fraudulent debt. It is not mine, does not belong to me and I want it removed from my report and made to NEVER resurface again. Enough is Enough. I have attached the letter from XXXX XXXX.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've been disputing this collection account that appears on my credit report but the bureaus keep saying the account has been verified but never have sent me anything to prove it.
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (FL)

On XX/XX/XXXX, I received a letter from Linebarger Goggan Blair & Sampson, LLP,  stating that my Driver 's License " may be suspended '' and that I owed {$380.00} for XXXX to XXXX County Clerk of Courts. On XX/XX/XXXX, I called the number and spoke to a XXXX that stated they had been hired by XXXX Clerk of Courts. 

I explained to XXXX that I had already gone to court for the issue and the case was dismissed since I showed proof that I was not in possession of the vehicle running tolls. 

I have been in contact with the XXXX Clerk of Courts, Traffic Division, in addition to the Toll Authorities regarding these issues several times. On XX/XX/XXXX, I called and emailed the Toll Authorities in  addition to requesting yet another court date for the same issue, same vehicle, different ticket and never heard anything regarding another court date. 

On XX/XX/XXXX, I recalled the Toll Authorities again and it was verified that I did request another court date. I was also informed there was a 3rd toll ticket pending for the same vehicle, different date. 

Today, XX/XX/XXXX, I sent numerous communications to XXXX Clerk of Court, asking for the Name and Contact Information for the Hearing Officer since they advised me on XX/XX/XXXX, that they never received another court hearing request and I would need to contact the hearing officer. 

What they did not receive was another {$20.00} to keep my license unsuspended until a second court date was scheduled.
Consumer complaint received 2023-02-02
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. (IL)

In accordance with fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602a states I have the rights of privacy.

15 USC 1681 section 2 the off state consumer report agency can not report without my written instruction.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (TX)

In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

I am attaching evidence of the more than 5 errors that are showing on my credit report and that are damaging it with incorrect information that must be removed. I know they are working on the situation and I appreciate it, I have attached more evidence of the particular situation. Thank you
Consumer complaint received 2023-02-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rothberg Logan & Warsco LLP (IN)

On XXXX of XXXX the Collection Agency contacted my Garnishee ( Employer ) to redirect the payments to them in violation to the FDCPA and BCFPA policy under Communication ... away from XXXX County Superior Court Clerk 's office before the Court granted Order was given on XX/XX/XXXX. 

This same Collection Agency operated in Indiana illegally for years without a license as it was required of them under the Indiana Code, if it was required from XXXX to XXXX, as well as, from the beginning of XXXX.
Consumer complaint received 2017-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a re-escalation of CFPB complaint XXXX. The original complaint pertained to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, but this re-escalation most specifically calls attention to the un-enrollment of my IRRA account from XXXX, and the negligent oversight by Bank of America XXXX XXXX to advise me the account needed to be re-enrolled, which resulted in missed opportunity for trading over a period of time. As mentioned in the original complaint, I authorized a {$41000.00} disbursement from my XXXX in XX/XX/XXXX to  serve as a form of down payment for a home my wife and I purchased. The company response indicates I was advised a 1099 form would be generated and sent whether the distribution was returned in 60 days or not. If the company verified I was told about the generation of a form 1099 via recorded calls, I wo n't dispute their findings. However, the related element XXXX will dispute is the receipt of form 5498, which I was told I would receive in XX/XX/XXXX for XX/XX/XXXX tax filing. The company response indicates they are unsure why I would assume the receipt of the form 5498 when  there is nothing in the conversations that would indicate the withdrawal was related to a XX/XX/XXXXfiling. This rationale sounds ridiculous ; the distribution was made in XX/XX/XXXX, thus I was under the impression I would receive the form 5498 the following XX/XX/XXXX. The initial representative who advised me of this information made no verbal distinction that I would actually receive form 5498 in XX/XX/XXXX. The company should re-review recorded calls to research this part of my claim, and take ownership for the error. Regarding the un-enrollment of my XXXX from XXXX - my contention is that during the phone call to reinvest the {$41000.00} distribution back into my IRRA, I was NOT advised by the assisting representative about the need to " re-profile '' or re-enroll into the MESP. The call simply concluded, and there was no additional contact to inform me of the same. This was a huge oversight on the part of the company by not proactively consulting me on critical next steps to ensure my account could resume trading, which undoubtedly cost me in the form of missed trading gains during the time period the account was unenrolled. The company response did not address this specific point about this oversight made by the representative ( s ) who handled the phone call when the reinvestment occurred, and I suspect intentionally opted to overlook this important element of my complaint.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (FL)

I have 3 accounts with Synchrony Bank, one called " HIGH Yield Savings '' and the bank has locked my account and will not let me withdraw my funds. They haven't sent me statements for over a year. I called to find out why they have this lock. The first agent refused to tell me. She is located in the XXXX. I finally got her to transfer my call to her supervisor, in XXXX. He tells me that when I opened the account through an electronic transfer well over a year ago, I did not have sufficient funds in my account at the XXXX XXXX XXXX XXXX, and they placed a lock on my account. I was never notified of this by either Synchrony Bank nor by the XXXX XXXX XXXX XXXX. I doubt that this happened. In any case, when they did get the funds they did not release the lock. They, at the moment, still have a lock on the account and tell me it will take several weeks to release the lock!