davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Sunlight Financial LLC (CA)

I had solar installed on my home by XXXX XXXX XXXX who did a horrible job and caused all kinds of problems. The solar and battery was financed through sunlight financial / XXXX XXXX XXXX. I contacted the bank in XXXX and XXXX of 2022 to tell them not to release any additional funds to the contractor because a major dispute exists. I never once got a single reply from the bank and the matter seemed to fall on deaf ears which is why I am writing this complaint. It is to my understand that the bank has gone against my wishes and released the remaining funds to the contractor. I am requesting that the CFPB investigate.
Consumer complaint received 2023-04-04
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. 
XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$260.00} XXXX XXXXXXXX, XXXX {$840.00}, 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 2019-11-17
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. (TX)

XXXX XXXX is reporting an amount of {$140.00} owed for a medical bill to XXXX XXXX XXXX XXXX on my Experian report. I'm getting weekly updates from Experian indicating that XXXX XXXX is updating the reported debt even though the debt has been paid in full. Have indicated to Experian and XXXX that this has been paid and provided proof. Experian is repeatedly breaking the law and is committing fraud by repeatedly reporting a debt they know to be paid in full before the debt is being reported as past due.
Consumer complaint received 2022-05-01
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. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (GA)

I ordered a Netspend card online for my taxes to be deposited. They would not activate my card. They are connecting me to an account my mother has with XXXX. She ordered me a card during tax time last year but we cancelled the card and did not activate it. I did not want to be on her account. Her account is overdrawn currently. They are trying to make me pay her bill and won't activate my card. My tax return will now be kicked back to the IRS and I'll have to get a paper check. I feel that they are using discriminating practices. There are no Co applicants on prepaid cards so how are they putting me on her account. I have been done wrong and something needs to be done about it. How can they associate me with another cardholder? They should not be allowed to harass me into paying her overdraft.
Consumer complaint received 2022-05-01
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 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 account without my written instructions.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (FL)

Hello, I received a " pre-approved '' offer for carvana on XXXX XXXX. Carvana required that you created an account to look at the offer, after I created an account and looked at the offer I requested carvana delete my account. Carvana refused to delete my account and stated they are unable to delete accounts because of federal law and never specified what law prevented them from deleting my account. Carvana acknowledges that it sells information and markets information from it's account holders to other companies. 

It is highly irregular for a company to refuse to delete your account including accounts used to apply for credit. I have never been denied a request to delete my account or information. It appears carvana is harvesting user 's accounts and selling their information, profiting of it while denying them the ability to delete their account. Carvana is without my consent retaining my account and they have no legal authority to do so. 

CFPB should investigate carvana for their wide-spread practice of abusing customer 's information for commercial purposes under the guise of the law.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc. (AE)

On XX/XX/XXXX, I was notified by Paypal Credit Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either Paypal Credit or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened. 

History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXX. This line of credit was through PayPal. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX Credit Customers to link their PayPal accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a Paypal Credit Account. The registration should have linked my overall PayPal account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my Paypal Account. 

PayPal Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. PayPal Collections stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed. 

I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues? 

Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.
Consumer complaint received 2018-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On or around XX/XX/18 I received notification from my credit monitoring that numerous inquires were being reported on my credit file. 

I had in fact visited a car lot and told them that I would be back with copies of my paycheck stubs and other items that they had requested. They advised me that they would not be able to run my application without this information. After leaving the dealership, I decided that now was not a good time for me to purchase a car. I contacted the sales person and advised them that I was no longer interested. The sales person maliciously ran hard inquires on my report numerous times without my permission. 


XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On:XX/XX/2018 XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX Permissible Purpose : INSURANCE UNDERWRITING Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018 XXXX XXXX XXXX via XXXX XXXX   XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2018
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XX/XX/XXXX, I placed an order at XXXX for XXXX XXXX XXXX. The product was supposed to be delivered on XX/XX/XXXX. This included a hard hit on my credit report for the installment plan. I began contacting XXXX, XXXX, and Citizens One for information on my order. I was repeatedly brushed off and was told I would be notified when my order shipped. XXXX told me I had to speak to XXXX. Citizens One told me they had no information on the status of my shipment and XXXX never responded besides canned answers. On XX/XX/XXXX I received a text from Citizens One that my order was cancelled as they were out of stock. They said I have 150 days for me to personally find more stock or they would close out my account. They had no issues pulling a hard hit on my credit but seemingly now no longer have stock.
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was scammed by a company called XXXX XXXX XXXX. They had me send them money for a XXXX puppy using XXXX which goes through JPMORGAN Chase bank for me. I sent an initial payment of {$500.00} on XX/XX/2022 and then a second payment of {$400.00} on XX/XX/2022 using XXXX. I found out it was as a scam on XX/XX/2022 when they tried to get another company to scam me called XXXX XXXX about an XXXX dog crate. I asked the gentlemen XXXX XXXX for a refund since I couldnt pay for the shipping. He eventually stopped responding. I reached out to JPMORGAN Chase bank and they said because it was XXXX they couldnt help me. The gentleman on the phone even after I cried for a few minutes repeated himself to make sure I heard him that there was nothing he could do and next time use XXXX or my debit card. He said they could not refund XXXX payments.
Consumer complaint received 2020-01-27
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: Exeter Finance, LLC. (MO)

I haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. 
Inquiry was made on XX/XX/2019 from XXXX.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

There was a fraudulent charge on my account in XX/XX/2021. Twelve of the same items totaling over XXXX from XXXX they cancelled all but one for XXXX. I have alerts on my credit card with Bank if America and called right away. This has happened 4 times. The visa company charged on XXXX and XXXX each time I call they say they will place a stop payment with Visa and report as fraud. I have called and reported to wayfair and closed account each time. This was a charge out of NJ that they allowed them to change my address and email. When got alerts I did not change address called immediately
Consumer complaint received 2022-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CR-MPM, LLC dba Don Carro (TX)

I financed a car with Don carro, and was told I can drive off with the car with a deferred downpayment. I agreed to the offer. I put w downpayment of XXXX down on XX/XX/XXXX. Due to financial hardships due to covid and also other life hardships I was unable to pay the deferred payment of {$300.00} that was due on XX/XX/XXXX. About a week later it was repossessed. I want to ensure this doesn't go on my credit for the little time I did have with it. I feel as if I was screwed in this deal. I at least want my down payment back or " ( credit ) ".
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (GA)

Car was repossessed on XX/XX/XXXX without notification and not from my home. 
The payment was made on XX/XX/XXXX to reclaim the vehicle in the amount of {$2800.00} and I was told I would be able to pick up the vehicle on the same day. Called to schedule to pick up the vehicle and there are no " appointments '' for today and I have to pick the car up tomorrow and pay an additional day of storage totally 5 days @ {$30.00} vs 4 days @ {$30.00}.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (TN)

I have an acount with XXXX XXXX backed by Commenity Bank. That financial institution has failed to report anything regarding this credit card to any credit reporting agency in the last 2 years since taking over from previous lender.
Consumer complaint received 2022-05-01
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. (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 ) Experian Account # XXXX has violated my rights XXXX Account XXXX XXXX has violated my rights XXXX Account XXXX XXXXhas violated my rights XXXX ) Experian Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX ) Experian Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights XXXX Account XXXX XXXXhas violated my rights XXXX ) Experian Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A XXXX 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. 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 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Court ordered loan modification was done. My mortgage was restructured with new terms and loan amount. I have filed several disputes and they remain unchanged. I have a signed court order by the judge that shows the new term and loan amount. But they continue to report the old loan amount causing my credit to be ruined. The report is reporting the old amount of overall loan when it should be reporting the modified amount making my loan appearing to be over the limit than what was borrowed.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern : During the pandemic many people suffered financial struggles, I was one of them but I have always been able to pull through hard times somehow, this pandemic was different and harder. All of my creditors worked with me including the one I am complaining about. I took differed payment programs from no less than 10 banks and creditors, and was thankful to have the help, I was reluctant because I did not want to have to take the offered help because of pride I suppose. We recovered slowly and eventually paid everyone. I have had stellar credit for 30 + years until now. XXXX XXXX XXXX, during this pandemic and while I was getting on my feet reported two 30 day late alerts to the credit reporting agencies. In there defense they did offer me deferments with no penalties I accepted, as I was getting caught up though, I told them I did not want to use anymore deferments and that I would get caught up, this is where the problem comes in. Without any warning and while I was in constant contact with them they alerted the credit bureaus negatively DURING A PANDEMIC! NEVER TELLING ME OF THE CONSEQUENCES, Of course under normal circumstances this would be normal practice but not during a pandemic and not while I am working with them. Yes I should have taken the additional deferments. Never did I think they would do this. I said I would catch up and catch up I did to the tune of more than {$30000.00} in payments to them in the last 3 months. 
This should be corrected and removed from my credit history, it is totally un fair in situations like this. 

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-01
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. (NC)

In accordance with the Fair Credit Reporting Act Convergent, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-15
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. (CA)

I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from Loan Depot and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX OR XXXX Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX