davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

I've sent a letter out stating that the debt that their trying to collect is not mines. This company has emailed me today on XX/XX/2022 trying to collect an debt that has been agreed to closed. All three of my credit bureaus have removed the fraudulent debt. I have proof of harassment in my email and fraud account HUNTER WARFIELD CREATED WITHOUT MY PERMISSION. I have proof of identity theft and {$1000.00} per violation due to hurting credit score and fraudulent activities as far as sharing my information to another agency. Wrongfully putting an fake signature that isn't mines on a lease that XXXX XXXX XXXX did not agreed to. The amount was {$6300.00} to {$6400.00}. No one called me or said anything about this debt which is illegal because I didn't agree to pay. I've requested who was the original creditor, original contract and no response. I've gave them more than 30days to respond and no response. Failure to respond, failure to validate the debt. U.S.C. 15. Improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA act. I've also seen on one of the documents I've sent, you can see where they force my signature on a lease which is illegal. I've never signed a lease or read one or ever agreed to one.
Consumer complaint received 2021-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sunlight Financial LLC (AZ)

I have a solar loan with Sunlight Financial, I have the original contract and before I signed, I was told that my loan was transferable in case I sell my property located in SC. I asked the question before signing anything because we are a XXXX family and we moved frequently. I am trying to sell my property due to XXXX XXXX ; I need to sell my property and buy a house for my family in our new XXXX XXXX, however when I contacted the financial institution mentioned before, they said they have a policy they cant transfer my loan to my buyer because the loan is less than {$15000.00}. They told me it is in my contract ; I have the original paperwork and there isnt any clause mentioning that policy. I tried to connect with a supervisor or managers to find a solution for this unfair policy that its preventing us to sell and buy a home for our family, however ; I havent received any answer. They just keep apologizing and scaring me saying that I need to pay off my debt before selling my property. I need help because they lied when I get my loan.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To whom this may concern : My name is XXXX XXXX i am the only witness in connection with the consumer report in question. 

I am aware and have knowledge of THEWORKNUMBER.COM has used my report improperly by allowing companies to view my report without first having my express written consent. these actions have caused harm and continues to cause harm into the future. these actions are affecting my personal family and household and continue to affect my personal family and household. 

further, these actions have violated the FCRA and as long as this behavior persist, THEWORKNUMBER.COM will continue to violate the FCRA.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

on XXXX i deposited a XXXX check at chase bank XXXX XXXX XXXX XXXX XXXX XXXX which was given to me from a client from Florida who rented a XXXX and paid me with a check and this was not the first check he paid me with and have never had issues with this person. Since he is a business owner he prints his business and personal check which is pretty normal now and days. The bank held the funds and never released them and its been over 2 years now and they still have my money the check cleared there was no fraud and the money was never recalled and the client sent me a screenshot and bank statement showing the funds were taken out of his account. I have called chase countless times in the past and they told me they were going to send the money to the states lost property what the heck is this? I just want the money they owe me
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (OR)

My identity was stolen in XXXX. 
Discover Card allowed and facilitated this identity theft by not verifying that the applicant was not an impersonator. 
I have disputed this with the creditor, but they have their information mixed up and not accurate and they are misrepresenting the facts. 
Such as they claim that i first contacted them to report the theft on XX/XX/XXXX. 
I have a letter dated XX/XX/XXXX, stating that they deactivated my account due to lost or stolen card and they were going to issue a new card! 
I also have a letter from discover dated XX/XX/XXXX, stating that they have started an investigation for identity theft. 
NOT XX/XX/XXXX as they have also misrepresented. 
Discover states that the investigation was completed on XX/XX/XXXX and that the fraud had been removed. 
I have a letter from Discover dated XX/XX/XXXX. The letter states that upon review of the facts of the case, we determined that unauthorized charges have occurred on the above referenced account. The account has been credited these charges and your valid balance has been transferred to a new account. This is another misrepresentation of facts and Discover also lied because they did not remove ANY charges for anything. 
Discover also states that i contacted them on XX/XX/XXXX and provided additional information that caused them to reverse their decision. I have a letter from Discover dated XX/XX/XXXX that states the account is being investigated pursuant to an allegation that it was established fraudulently without your knowledge or authorization. 
Discover Card has not provided me proof that they have a valid application for credit. And their information is inn accurate concerning their investigations!
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (AZ)

In accordance with the fair credit reporting act this creditor ( XXXX, Equifax ) violated my rights. 
Under 15 USC 1681 Section 602 states I have a right to privacy. 
15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. 
Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open plan as late for any purpose.
Consumer complaint received 2021-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (FL)

Dear ALLY BANK Pursuant to 15 USC 1681A ( K ) your company ALLY BANK have taking adverse action against me On XX/XX/26 XXXX Clearly where federal law states it is a violation of my consumer rights, its clearly states 15 USC 1681 B ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit. it doesnt mentions a denial of credit it only mentions being denied for insurance or employment 15 USC 1681 A ( K ) ( i ) ( ii ). Your company used my credit card ( AKA SSN ) 16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. In a consumer credit transaction 12 CFR 1002.2 ( h ) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. I did not received & benefit in this transaction which is identity theft Pursuant to CFR 1026.12 ( B ) ( 1 ) ( i ). Your Company ALLY Bank said in there letter that the reporting agency played no part in your company decision and cant supply specific reasons of why ALLY BANK denied me credit and then False and Misleading me the Consumer by saying your company ALLY BANK decision was based in a whole or in part on information that came from the consumer reporting agency. Pursuant to ECOA ( Equal Credit Opportunity Act ) Regulation that aims to give all legal individuals an equal opportunity to obtain loans and other types of credit from financial institutions/ lenders under Title 15 your company ALLY BANK are prohibit by lenders in any aspect of granting credit to an individual. The acts purpose is to prevent lenders from using race, color, sex, religion or other non- creditworthiness factors when evaluating a loan application, establishing terms of a loan, or any other aspect of credit transaction. Organizations that have shown a pattern of discrimination can have lawsuits brought against them by the Department of Justice. CFR 1002.7 Rules concerning extensions of credit ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis ALLY BANK your False and Misleading me the Consumer your company accept my credit application but claim Your company ALLY BANK denied me the consumer credit Im giving you a opportunity to cure this matter 15 USC 1691 ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (AZ)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX, I received a XXXX XXXX from Wells Fargo in my name and sent to my address. I never opened any account with Wells Fargo. I phoned Wells Fargo on XX/XX/XXXX and again on XX/XX/XXXX to report that the account was opened without my knowledge. Wells Fargo stopped any use of the card and I spoke with their fraud department. They looked and concluded it was online fraud.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (FL)

I contracted a installation company to install solar panels on my home. We signed the contract in XX/XX/2022. They ran a credit application with Mosiac. I was approved up to XXXX but the amount on the contract was $ XXXX. According to Mosaic paperwork they were going to do 2 disbursements with the final being after installation completion. 
The installation company started the installation in XXXX and has not finished the installation. They were contracted to install 31 panels for the home and 6 panels for the pool and 3 batteries. They did not install the pool panels. Their install did not pass County inspection. One of the batteries needs to be replaced according to the manufacture but I must work with the installer for that. The problem I have with Mosaic is they disbursed the second wave of funds without confirming with the borrower is the work has been completed. Their justification is that the installer provided documents saying it was completed. I shared those doc has to be falified or fraudulent. I requested a copy of the documents and have not gotten a definitive response if they will share them with me. 
As it stands the installers has bailed out with XXXX with XXXX being the second disbursement and they are not returning calls, text messages nor emails. 
Mosaic has a fidicuary responsbility to ensure their borrowers are not scammed or frauded especially on actions on their part. So now the payment started in XX/XX/XXXX and I did not have panels fully installed or an operational system. 
If Mosaic would have reached out to their borrowers the amount of the damages would not be so great and therefore not causing harm. So now I forced to pay Mosaic and the electric company for services that are not rendered. 

I received the attached email from Mosaic and they are not taking ownership in their role in this scam. They have an established partnership with XXXX XXXX XXXX and they partnership got in the way of protecting consumers. I did not seek out Mosiac XXXX XXXX presented them as their preferred lender.
Consumer complaint received 2020-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive been building my credit and tracking my credit daily with XXXX XXXX, XXXX XXXX, and XXXX. All of these show different scores. XXXX XXXX and XXXX XXXX shows XXXX and XXXX shows XXXX. I tried to get XXXX XXXX for a medical procedure and it denied me and said my TransUnion credit score was XXXX ... these are 100 point differences between each company. I called TransUnion and they referred me to you guys. Im not sure why this would be, but Im trying to build my credit to buy a house and car and I really needed XXXX XXXX for this medical issue. Ive paid off EVERY delinquent account I had over the last year and my score has been steadily rising. It hasnt been at XXXX for over a year. It also shows a medical account that was delinquent and sent to collections on some but not others. And that was sent back to XXXX XXXX and is getting resolved through them. I submitted claims through the credit bureaus for that and it got taken off of some but not others. I just want it to get fixed and my actual score to get sent to XXXX XXXX because if I try to reapply and it shows that incorrect score again its just going to negatively effect my score. The score sent to XXXX XXXX was from TransUnion, Im not sure what XXXX XXXX or credit wise use, so Im not sure if it involves JUST TransUnion or all 3 reporting agencies.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CA)

I have asked Care Credit to send me a replacement card, as my other card was destroyed. I have made this request now on XXXX seperate phone calls and XXXX emails. Everytime I call they say they will send out a card, however it is now 2 months later and they still have not sent me any card. The last time I called the man said there was a techinical error and put me on hold for XXXX hours. 
It is now 2 months I have not had a card, nor have they sent me a new card. 
I am requesting my new care credit card be sent to me asap. as my old card was destroyed. 
my social is XXXX XXXX XXXX
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid off my full balance with capital one on XX/XX/2022 and they charged me interest on XX/XX/2022. Which was paid before the billing cycle. I called to see if it could be forgiven and they advised there was nothing they could do. They told me it was interest from a late fee that was forgiven and taken off my account. The interest fee was not forgiven totalling {$15.00}.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NH)

I applied for a loan on XXXX and received a locked LE. 
The estimated value at the time was $ XXXX. 

On XX/XX/XXXX, I was issued a new LE after the appraisal was received by Chase. This LE updated the estimated value to $ XXXX ; however, the fees remained the same. I was content with this LE. 

On XX/XX/XXXX, Chase issued me a new LE, The fees being charged to me changed by 0.25 % of the loan amount. 

I made several Inquiries to the processor, XXXX. He mentioned that the LO would call me. The LO never called me. 

I closed the loan anyways, but made several calls during the rescission period wanting answers. The only answer I was given is that the LE on XX/XX/XXXX was sent by mistake because the underwriter had not reviewed the appraisal. Once the underwriter reviewed the appraisal, they sent me an updated LE 9 days after the LE sent on XX/XX/XXXX.
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

Hello, I purchased a generator on XXXX for {$250.00} on XX/XX/2022 and paid through PayPal. 
The package was delivered on XXXX, XXXX. The problem is it wasn't delivered to my address. I contacted the seller right away and they agreed it was shipped to the wrong address and last name, but the same city. Street address doesn't appear on the tracking information. 
They promised to solve the problem with XXXX, to ship another generator, but didn't do any of that. 
Another thing is weight of the package, according to XXXX, is XXXXXXXX XXXX. Ordered generator is XXXXXXXX XXXX. 
I have opened a dispute on PayPal, but it was closed immediately after they contacted XXXX, because the package is marked as delivered. Their online representative didn't help at all. I can not appeal. 
However, I don't receive anything. Contacted XXXX online and their representative confirmed that the package was shipped to the completely different address. 
Screen shots of the chat with XXXX agents, reply from the shipper and tracking information with weight of the package and the wrong last name are attached. 

Thank you.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX - AUTO FINANCE Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (MI)

In accordance with the XXXX District Court of XXXX XXXX, MI dated XX/XX/2017.
Please send me a list of all the Class action court orders against Discover along with the amount that you were ordered to pay all cardholders. This needs to include all Federal, state and local court orders! Send it to XXXX XXXX XXXX, XXXX, MI XXXX Thanks XXXX XXXX XXXX I have sent Discover and their lawyers this letter 3 times with no reply
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; EQUIFAX MORTGAGE SER Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX - AUTO FINANCE Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX - CARD SERVICE Inquiry Date XXXX XXXX, XXXX