davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Paramount GR Holdings, LLC (AZ)

I applied for and was given a {$50000.00} loan for home improvements and solar from a company in XXXX, California called Goodleap in the month of XX/XX/2021. 
I also contracted with a XXXX company galled XXXX XXXX from Utah for the installation of a solar electric system on my property. Value of contract was {$50000.00}. 
The solar system was installed on my property at the end of XX/XX/2021 but the job was not completed as of that date. On XX/XX/2021 Goodleap wire transferred to XXXX XXXX {$36000.00} for the solar system without my approval and was not the full payment of the contracted {$50000.00}. I reached out to XXXX XXXX regarding this payment and asked why they only received a partial payment for the contract and was told by XXXX XXXX of XXXX solar that Goodleap ( finance company ) takes 27 % of the contract as a dealer fee and that the {$50000.00} contract with them is complete and fully paid for. 
I asked XXXX where in the contract does it say that I am paying a 27 % fee which is {$13000.00} and was told that Goodleap charges that to the customer on every transaction. So the cost of my solar system was much less than the {$50000.00} that I paid and the finance company is stealing {$13000.00} from me on this loan. I did call the finance company and they have denied any fees that they paid although they confirmed that they only paid {$36000.00} to the solar company from my loan proceeds and there is nothing in the loan documents that says the loan company is going to take a 27 % fee for my loan. 
This is total fraud and the finance company has stolen {$13000.00} from me and will not tell me or give me any information regarding the transaction and only have told me that the loan has been fully funded. I know based on what he solar company has told me that this has gone on for hundreds or possibly thousands of consumers and entails millions of dollars if not tens or hundreds of millions of dollars in stolen money from unsuspecting customers purchasing solar and financing it through this company called Goodleap.

I did reach out to a lawyer regarding this and he did some inquiry and did confirm my complaint, however I do not have the tens of thousands of dollars that it is going to take to file a suit against Goodleap to get my money from them.
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Guild Holdings Company (OR)

My mortgage is on the verge of being foreclosed on right because of my ex gf I bought the house with in 2020 has abandoned the home. I recently had a forbearance issue for being XXXX XXXX XXXX  and guild has let me not make the payment for 6 months. Then they gave me trial payments since I couldnt get a hold of the ex for a docusignature. They said I could tack the missed payments on to the loan. Well not that I needed. Her singnature. I now have a family of XXXX and and want to keep making the payments and keep the home. But Im now in the process of getting her off the deed and I need time before its for closed on
Consumer complaint received 2022-11-08
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. (MD)

I am a federally protected consumer as defined under the FCRA. XXXX XXXX, XXXX, Equifax, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC XXXX XXXX XXXX further proves the above entities are financial institutions and are to comply with the disclosure requirements under XXXX. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose XXXX to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( XXXX ). The XXXX further mandates that an unaffiliated third party recipient of XXXX " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at XXXX today who claim they do not have to comply with that law, and for me to contact XXXX to get the information removed. When I called XXXX they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.
Consumer complaint received 2023-08-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (NC)

I have had my car for about three years, my car has had many issues since I purchased the car ( XXXX XXXX XXXX ), IVE NEVER MISSED A PAYMENT, BUT I HAVE BEEN COMING OUT OF POCKET FOR MAJOR ISSUES, LIKE MY ECP CONTROL CURRENTLY, BUT IT WAS FIRST MY ELECTRONIC FUEL PUMP WHICH WAS ROUGHLY XXXX DOLLARS, BUT BEFORE THAT MY CAR WAS STOLEN N TY HEY WOULD NOT HELP ME AT ALL, I CAME OUT OF POCKET FOR THE ENTIRE FIASCO, THEY ONLY GSVE ME ONE KEY SO I HAD TO PURCHASE A NEW ONE WHICH WAS ABOUT XXXX, N THEY HUNG UP ON ME, MANU TIMES DIDNT RETURN MY PHONE CALLS, N NOW I WAS LIED TO ABOUT DEFERRING MY LAST PAYMENT, TO Try N FIX MY CAR ITS BEEN A NOGHTMARE NOW IM OUT OF TRANSPORTATION AN ON THE VERGE OF HSVING A REPO I NEED HELP N ITS RUINING MY LIFE
Consumer complaint received 2023-02-16
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. 

My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXXXXXX Balance Owed : {$76.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-08
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. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$600.00}
Consumer complaint received 2023-08-12
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: AMERICAN EXPRESS COMPANY (NV)

My identity was stolen due to American Express and XXXX cards sending prequalified letters to old addresses that I do not live at anymore because of this they were successful in opening a XXXX account in my name on XX/XX/XXXX and attempted to open another credit card with American Express on XX/XX/XXXX since then my credit profiles have all been frozen. Because of this I have 2 hard inquiries one from XXXX and one from American Express I do not have any active accounts with either of them and never had an account with neither of them I contacted American Express they said they couldnt do anything because I have never had an account with them. These inquiries should come off my credit report in XX/XX/XXXX and XXXX XXXX. At this time I have time sensitive applications. So I need them removed as soon as possible. After I receive some type of letter of deletion or confirmation from both XXXX  and American Express I can prove to the credit bureaus these inquiries do not belong to me
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (NY)

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. 

XXXX : XXXX, XXXX Bank : XXXX, XXXX Bank 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 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 2023-08-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (IN)

On XX/XX/2023 I received an email from the Hunter Warfield collection company stating that I owe a debt of {$7900.00} from somewhere in XXXX XXXX, California with my name spelled wrong and to the wrong address. I believe this is due to identity theft because its with the same misspelled name as the last time when this happened previously last year.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

Thank you for providing the details. While this confirms my obligation to the original creditor, it doesn't establish your right to collect this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request debt verification and you are obligated to provide it. To proceed, I require verification of your legal authority to collect this debt on behalf of XXXX XXXX XXXX. This verification should include my authorization to sell or transfer the account to the collection company. 

.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TX)

I keep asking them to prove to me that this account belongs to me. They have sent me no contact no signature, no bill with nothing that proves that this XXXX XXXX account belongs to me. This is not fair that they are allowed to do this. They need to provide proof. I had at @ t since XXXX
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have attempted on multiple occasions to have this inaccurate information removed from my credit report from XXXX in order to have a more accurate report. I would like to have these negative and unauthorized inquires and old address removed from my credit report. The credit bureaus have failed to accurately respond to my request.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IL)

My landlord sent baseless debt of {$370.00} owed to the debt collection agency on XX/XX/XXXX. The debt is under my name and two others. The agency never sent me any written information about the debt. They claimed to have sent letters, but sent them an old address when I already updated them with a new one. They claim I never did that. They claimed to send emails, but I never received the emails. They said they sent the emails from a different email address than the one I emailed them with. I have called multiple times, and sent documentation to dispute debt via email on XX/XX/XXXX. When speaking with them on the phone, they pretended I didn't send a dispute. I recorded this phone call with their permission, and this time they let me send a second dispute. I called many times asking about the dispute, but never received anything in writing. I sent documentation with the dispute. On the phone ( XX/XX/XXXX ) they told me that the documentation was not sufficient to dispute the debt. They have not sent written notice or advised me on how to challenge this debt in small claims. They stated that they are the only agency that can dispute a debt, and they are a fair third party. The agency has not provided the documentation from my landlord that they claim validates the debt. I do not understand how this debt is valid, and I have not been given written and concrete information about the debt.
Consumer complaint received 2023-03-15
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. (GA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 from myself
Consumer complaint received 2023-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Dear Complaint Forum, I am writing regarding the issue I am facing with PayPal 's fund holding and account lockdown. I seek your assistance in resolving this matter. 

On XX/XX/23, PayPal limited my account, blocking access to funds and freezing transactions. I can not withdraw or transfer {$1400.00} USD, causing significant financial hardship. 

PayPal 's account lockdown disrupts my business operations and inconveniences both me and my customers. Despite multiple attempts to contact customer support, generic responses without clear explanations or timelines were provided. 

I am in full compliance with PayPal 's policies, with no violations or fraudulent activities. I am willing to provide documentation for account verification and fund release. 

The fund holding and account lockdown adversely affect my personal and professional life, hindering financial obligations, order fulfillment, and business stability. 

Please assist in facilitating a resolution with PayPal by releasing my funds and reinstating my account 's normal functioning. Fair and transparent financial services are essential, and I trust a satisfactory resolution can be achieved. 

Thank you for your attention. I anticipate your prompt response. 

Ref ID - XXXX Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (TX)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe this limitation to be a result of an unfortunate misunderstanding, as I am confident that I have not violated any of PayPal 's policies. 

I have been a loyal PayPal user and have always prioritized adhering to the platform 's guidelines. As such, I was both surprised and dismayed to discover that my account has been permanently limited. I genuinely can not recall any instance where I might have breached PayPal 's terms of use. 

I kindly request that PayPal consider re-evaluating my case. Mistakes can occur, and I believe this situation may be one such instance. I am more than willing to cooperate and provide any information necessary to demonstrate that my account has been unjustly restricted. 

I implore you to conduct a thorough investigation into the matter. I am confident that this examination will reaffirm my commitment to PayPal 's policies and demonstrate that the limitation was enacted in error. 

It is my sincere hope that, upon reviewing the relevant details, PayPal will see fit to reinstate my account. I am invested in this platform, and the loss of access has had a significant impact on both my personal and financial activities. 

I appreciate your attention to this matter and your consideration of my appeal. I eagerly await your response and hope for a resolution that will allow me to resume using my PayPal account without any further hindrance.