davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate, how the account opening date is same with the last reporting date & last one is that how you were reporting the balances on collectionclosed accounts?? This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2020-12-24
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. (GA)

Hello. For some time now, I have been going back and forth with XXXX, XXXX and Equifax about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XX/XX/XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date? 

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want XXXX, XXXX and Equifax to delete XXXX  XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2019-12-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$610.00}.

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 Acts 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.
Consumer complaint received 2022-11-11
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. (OH)

I DISPUTED INFORMATION WITH TRANSUNION AND THEY FAILED TO CORRECT THE ERROR BUT ADDED FALST INFORMATION TO MY CREDIT FILE. 
THE ACCOUNT UNDER THE NAME OF XXXX WAS NEVER LATE, PAID ON TIME AND CLOSED OUT. THEY CHANGED THE STATUS TO CHARGE OFF WHEN THIS ACCOUNT WAS NEVER CHARGED OFF. THIS ACCOUNT WAS NEVER LATE, THIS ACCOUNT WAS CLOSED BY THE LENDER BECAUSE THEY CHANGED THE NAME OF THE COMPANY. 
AT THIS POINT, I AM READY TO SEEK LEGAL COUNSEL AGAINST TRANSUNION DUE TO ALL OF THE ERRORS THAT ARE ON MY FILE AS WELL AS THE ONES THEY REFUSE TO CORRECT. 
THIS ACCOUNT WAS NEVER CHARGED OFF!
Consumer complaint received 2023-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (GA)

I financed Solar panels from XXXX owned by XXXX in which XXXX XXXX installed multiple panels on my roof. These solar panels financed through XXXX XXXX has a balance of over XXXX. 
I was promised {$1600.00} from sales reps to cover a years worth of electric bill from the utility company as solar panels doesn't give an immediate saving per sales rep. 
I was also told I should be receiving savings from solar panels once connected. Yes, totally confusing. 
Therefore, I started putting my thermostat on 70 instead of 78 because of possible savings. When I received my utility bill from electric company, my savings were XXXX the XXXX month and {$1.00}. 
I have been calling daily trying to reach owner, XXXX, but he will not take my calls. I have spoken with XXXX, the CFO of the company ; however, he stated he doesn't know anything about panels and stated the {$1600.00} will not be given to me since the sales rep made an error on the contract. So I reached out to the finance company and sales rep and inquired about the {$1600.00} promised amount and also possibly removing these panels. since there are no savings. The sales rep stated they no longer work for XXXX XXXX because they have proven not to be a good company to do business with. 
Please help me, I can not continue to deal with this stressful situation. Due diligence was not given to me. XXXX did not do as they said and the XXXX solar panels are not operable. I am requesting these solar panels be removed and the roof repaired if damaged upon removal. This is fraudulent.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX  -Date of inquiry : XX/XX/XXXXXXXX XXXX -Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-01-09
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. (AL)

Dear transunion, This is the message I sent to XXXX  XXXX  I expressed to you that I did not want to be contacted by you anymore. You have since called me twice and emailed me four times. According to, 15 U.S. Code 1692c - Communication in connection with debt collection, you are not authorized by law to continue any communication after I ask you to stop. you are not authorized to send any information to anyone about any transactions or experiences. Since, I see this in my consumer report from Transunion, XXXX, and XXXX, this is an error so would you be so kind to delete this account from my report. Also, under 15 U.S. Code 1692b - Acquisition of location information, when you called me a few days ago, your agent did not tell me who he was, he just repeating can I speak to XXXX XXXX. 
15 U.S. Code 1692d - Harassment or abuse, the agent called and after I said hello twice he hung up and called right back. He never once stated he was on a recorded line or state his name. He harassed me by repeating my name over and over and never saying his name or why he was calling. After being irritated with him during the time he called me during my sleep, he said his name is XXXX then he hung up on me because he didnt want to talk anymore. I called back and the next agent did tell me her name and that we were on a recorded line, I told her to take my number off the call list and stop contacting me because I only deal with people who are respectful and have common sense. 
15 U.S. Code 1691 - Scope of prohibition You can not charge me a high interest because of whats in my credit report. Also, you can not do it because of the color of my skin as this is discrimination.

Please delete this account from my consumer report and clear the account from me owing anything else thanks!

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; You are reporting Transactions and Experiences and also, I did not give you permission to report this account on my consumer report.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VT)

My name is XXXX XXXX, formerly known as XXXX XXXX. Im trying to reach Specialized Loan Servicing ( SLS ) to request documents and my efforts have been unsuccessful. Ive spoken to a representative a few weeks ago but was never given a number or email address to follow up with. 

The representative confirmed that SLS had sent my insurance company {$2200.00} on XX/XX/2022. I contacted my insurance company regarding this transaction ; however, they are requesting that I send them proof of this transaction. If SLS could send over documented proof of this transaction, that would help significantly in resolving the confusion.
Consumer complaint received 2023-01-09
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. (CA)

On XX/XX/XXXX I received a email in regards to XXXXXXXX XXXX XXXX from XXXX as well a TransUnion response FEED BACK PROVIDED from CFPB please note this was initiated back in XXXX 2022 63 days and 2 frivolous responses CARRYS NO WAIGHT OR TRUTH because I sent supporting documents proving no contracts or signature verifying debt ATTACHED again as well requested the same thing provide documentation to me of said debt attached letter and no response again attached 3rd request XXXX is the only one that reported and removed debt as it does not meet the reporting act I have again requested from XXXX ATTACHED to provide me there facts and reporting procceedures of XXXX and TransUnion response verified, I will continue to argue this debt as a false response and ILEGAL reporting
Consumer complaint received 2022-11-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

My phone and card were stolen from me, my phone happened to have all the information about my card details on it as well. I was charged for multiple XXXX and XXXX XXXX transactions while my phone was gone, basically draining my account. I disputed through Chime and they denied my claim even though it was legit. 

I received documentation on why my claim was denied and their is no real evidence that they provided besides a few basic questions. Chime is in violation of Regulation XXXX ; terminal location/transaction location, type of transaction ( atm, retail pos, online pos ) name of financial institution that initiated charge ) was not included in the denial reason. 

They also state because money was moved in my savings account that the claim was denied but I clearly stated my account was used along with my phone as a login.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have the right to privacy as well as they have the responsibility of reporting with fairness.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] section 604 A section 2 : Also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (TX)

I called several times requesting a copy of my payment history and was denied. First, I was told that they don't send out payment history. The next agent said he can't assist me, when I asked for a manager he told me call back to get one and hung up. The third agent said he doesn't handle my account and transferred. The fourth agent said that her system not letting her submit the request and transferred me to another agent. The agent came on the line told me to use my bank statement and hung up. This account is paid in full and there shouldn't be any reason why I can't receive a copy of the payment history. The customer service is rude and unprofessional. I even tried to call corporate and was routed to the call center.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NY)

This is the 4th time I have tried to have the CFPB intervene on this 20 year old debt ( although I have never had an account with the bank mentioned in their letters ).

They operate under multiple names but conti

nue to pass it from one to another but it's clearly the same debt.

I have asked them to STOP CONTACTING ME FOR ANY REASON so they simply contact me under a different collection agency name.

I've attached 2 letters, sent under 2 separate collection agency names, the first dated XX/XX/2023, the XXXX XX/XX/2023, for a debt that is now 20 years old! The federal statue of limitations prevents any attempt to collect a debt anywhere near this old. 

In the event ANY of their agencies contacts me again, I have 4 other people who will join with me in a class action lawsuit to seek both a seek and desist order and any punitive damages the court will award.
Consumer complaint received 2022-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (GA)

In XXXX of 2022, I signed a contract with XXXX XXXX to install a solar system on my house, with Goodleap financing the loan. 

On XXXX XX/XX/2022, XXXX XXXX began the installation on my house and told me that they would be back to following day to finish it as well as begin the process to have it inspected and permission to operate. 

XXXX XXXX then closed for business, but triggered my loan to be due with Goodleap. 

I tried talking to goodleap several times, and had been told that the loan payments would begin, and that they were aware of the issue with XXXX XXXX. 

I filed my first complaibt with the consumer finance protection agency against goodleap in late XXXX, and received a response from Goodleap saying that they had contracted XXXX to finish all of the installations and take up the warranty and repairs. 

On XXXX, a project XXXX from goodleap named XXXX contacted me via phone and told me that XXXX should be contacting me within XXXX weeks and that they Goodleap was going to defer my payments indefinitely until XXXX completed my system, but that interest would continue to accrue while the payments were deferred. 

On XXXX, i received a bill saying that my payments would still be due starting on XXXX XX/XX/2022. I tried calling XXXX, but was unsuccessful in contacting him and have yet to receive a return call. 

I velieve that Goodleap is just dragging their feet and making excuses hoping that I will just make the payments until it " gets resolved ''. 

At this point, i have no interest in allowing XXXX, who has terrible reviews and customer service, near my house or touching anything. I have no interest in continuing to deal with Goodleap and their non existent customer service. I would like goodleap to come and get the XXXX equipment off of my house, fix my roof, and terminate my loan due to breach of contract.
Consumer complaint received 2023-06-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (VA)

Well I had spoken with them 55 days ago stating that I was trying to get caught up on my loan. I told the rep that I could pay XXXX dollars and hopefully have the rest of the payment to them in the following 2 weeks. The rep said ok, I will note your account and you shouldbe fine. Everyday leading up to and prior to that if I was one day late they would call me at 7 times a day, even though I had already spoken to some, they would not leave voicemails they would just call back to back numerous times. So my payments are due the XXXX of every month, I had the car for 2 years was pretty good at making my payments on time. Now comes the morning of XX/XX/XXXX. I wake up to no car in my driveway. Mind you I had already spoken to westlake financial about my loan. I told them I would be getting caught up when I had gotten paid. My payment was XXXX a month. The website said I owed XXXX to get caught up. When I called them to inquire about getting my car back they wanted XXXX dollars, they couldn't even explain to me why they wanted much! And to top it off they couldn't guarantee when I would get my car back if I paid that! Fast forward to Saturday XX/XX/XXXX, I just recieved in the mail from XX/XX/XXXX a letter about me being seriously delinquent on my loan. I just want justice for myself and everyone else who has been tricked or robbed by this company and thier in my eyes messed up practices. Thank you for your time and hopefully I can get this resolved.