davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dividend Finance Inc. (TN)

XXXX XXXX, I had solar panels installed on my home by XXXX XXXX XXXX XXXX The finance for the solar panels is Dividend Finance. There was no application process for this loan. My wife and I were asked our monthly income amount and that was all it took, Predatory Lending. On XX/XX/XXXX, Dividend Finance calls to tell me that I have been installed and my payments would begin 60 Days from the install date. The system installed was not operational and had not passed any inspection. I informed Dividend Finance that I did not want to begin payments until I had an operational system. I made several calls to Dividend Finance in the following months because 6 months later the inspections were completed and in XXXX XXXX XXXX the system became operational. I had paid even though I did not approve because I did not want to disrupt my perfect credit score. 
In the first week of XXXX, my wife and I noticed that our solar panels were not operating as before. I contacted XXXX XXXX XXXX about the issue, and they directed me to XXXX. I was informed of an issue with a connector that XXXX supplies for the Solar panels. I scheduled an appointment with XXXX to have a repair person come to my home. I received letters and emails from both XXXX XXXX XXXX and XXXX concerning the issue with the XXXX XXXX connectors and the repairs, but no one came to my home. 
In the meantime, I discover that XXXX XXXX XXXX and XXXX were at odds with each other. I understood that XXXX XXXX XXXX was filing a lawsuit against XXXX. We are well into XXXX XXXX XXXX, and I receive an email stating that XXXX XXXX XXXX was filing bankruptcy and closing the doors to the business. There goes any and all workman warranties on the solar panels I purchased. 
I contacted Dividend Finance and informed them that my system had not been working since XXXX and now XXXX XXXX energy has filed bankruptcy. Dividend Finance was aware of the situation and mentioned giving me a 4 month deferment on my loan. However, after I concluded my phone call that was the one and ony time I heard of any deferment. On XX/XX/2022, I stopped payment on this loan and have contacted Dividend Finance each month since telling them why I stopped payment. My credit score has now been damaged by XXXX points and my perfect credit score is diminished. 
I have since learned more about XXXX XXXX XXXX and Dividend finace and the predatory methods in which they gained customers. Now XXXX XXXX XXXX is in bankruptcy litigation, Dividend Finance is a predatory lender and holding myself and many others hostage over a loan that was overpriced in the beginning. 
I tried to use the resources of the sun to negate high electrical cost and to be a more green member of society. However, I am now being held hostage to the electrical company and the rising cost of electricity and to Dividend Finance. this is a predatory company and will destroy a good man 's credit over a system that was overpromised and under delivers.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc. (TX)

I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. 
Best Regards, XXXX
Consumer complaint received 2022-04-18
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. (MO)

In Accordance with the Fair Reporting Act all these accounts have violated my rights. 
MO CHLD SPRT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX 15USC 1681 602a states i have the right to privacy. 15USC 1681sect 604a Section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have asked the credit bureau to do a verification on everything on my credit report and they did ; they stated that everything is accurate. I have done a thorough research myself and looked even further and found improper inaccuracies on my credit report even after the credit bureau did their research. 

In accordance with the Fair Credit Reporting Act XXXX ( Account # Below ), has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

I went to XXXX XXXX and never received a XXXX  the school was closed down and found guilty of fraud in 2016 I am not responsible for this alleged student loan and its pulling my credit score down tremendously.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am unable to get my credit report from XXXX, TransUnion or XXXX, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX and XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1666B : 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 2018-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I bank with Wells Fargo. I used their XXXX bank transfer to submit a security deposit of {$260.00} for an apartment. Unfortunately, I was scammed. XXXX, is not afford fraud protection by Wells Fargo. I feel this is a misrepresentation of their services. I bank with the intention of having my money protected in case of an emergency. I would like my {$260.00} refunded because it only took about an hour to notice the fraud.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction and concern regarding the unsuccessful outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the fraudulent entries persist on my credit report, creating substantial financial and personal challenges. 

I am deeply distressed that, despite my sincere efforts and adherence to the required procedures, the fraudulent items persist on my credit report. This ongoing issue is not only detrimental to my financial standing but also poses a threat to my overall well-being. 

I kindly request the following actions : A thorough and expedited reevaluation of the documentation provided in support of the dispute. 
Immediate removal of the inaccuracies associated with the fraudulent items from my credit file. 
Transparent communication outlining the resolution process and the steps taken to rectify this matter. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am submitting this follow up on my recent complaint submitted on XX/XX/XXXX, expressing my concerns about items included in my file resulting from a reported crime. I would like to emphasize that the items under dispute are entirely unrelated to any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. Therefore, I respectfully request the removal of these items from my credit file, in accordance with FCRA Section 605b. As per the aforementioned section, Credit Bureaus are mandated to expunge any items listed on an identity theft report, with reference number XXXX. I have outlined the specified items that require immediate removal from my credit reports below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX BANK XXXX XXXX Date opened : XX/XX/XXXX Balance : {$66.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$190.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-17
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. (VA)

In accordance with the Fair Credit Reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I received a call from MUFG Union Bank, N.A. on XX/XX/XXXX/2019, and they stated that I did not make payment to my previous mortgage company, XXXX for XX/XX/2019. 

For one, why is another mortgage company trying to collect for another? If my problem is with XXXX, then they alone should call me. And why is this problem 2 months old? 

There is no problem, and MUFG Union Bank is unfairly harassing their customers due to their incompetence. This has happened with another complaint I have filed with the CFPB and occurred with another mortgage payment that I provided proof. 

I have included a snapshot of payment made to XXXX.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XX/XX/2023. 
I was selling a couch on XXXX and a scammer wanted to Zelle me. I did not know this was a scam hype. I sent the scammer {$200.00} because I thought Zelle was updating my account to business so I could get all the funds. I googled Zelles customer service number and as soon as I called them asking what was happening, they assured me they were here to help. I wanted to know if it was a scam and the representative told me they would help me, but needed to see my screen. I downloaded the XXXX app that screen shares and I was immediately nervous and confused. The representative lead me to believe he was helping me get the full amount, the buyer on XXXX was trying to send me. I told him I dont want that money, its fake, and I want my {$200.00} I sent them given back to me. 
Then he continued to make me believe that I needed to have all these transactions on file to match some amount that I was being refunded and I yelled at him that it makes no sense but XXXX me, I did it anyway. I Zelled an unknown email with my name on it ( wasnt mine ). I also sent money through XXXX XXXX to a friend. He sent it back and then the guy made me buy bitcoin and withdrawal it! Why?! 

I called two different Zelle representatives. Both were male, non English speaking, and nice to me the whole time. They drained my account and after they couldnt touch my savings account, they told me Im out of luck and to ask my bank for help. 
I disputed all transactions through XXXX and ten days later they told me I sent the money so I wont get my money back. ( I saw the documents they sent me but they are no longer there ) The act that protects people like me says otherwise. I was a naive victim to some kind of crazy scam, that I am upset at myself for falling for. That {$1500.00} was not sent for any material or service reason. 

Update* XX/XX/2023 We called Zelle this morning and they stated there was no record of me ever calling. *
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

We refinanced our home in XX/XX/XXXX and our mortgage company paid off numerous credit cards including Ally Financial. Back in XX/XX/XXXX when our mortgage company pulled my credit report, they made the payments to the various credit card company including Ally financial ( shown on this report ). An over payment was made to Ally Financial on XX/XX/XXXX in the amount of {$1000.00}. We were informed by Ally Financial we would receive a reimbursement within XXXX business days of our request. We have yet to receive a payment or a call back as of today, XX/XX/XXXX. 
I have email communication from XXXX in the " Executive Customer Auto Relations department '' on XX/XX/XXXX, informing me she has received my concern and will research and provide a timely response soon. I have emailed her back XXXX  and also placed a phone call to her at XXXX and left XXXX voicemails to no avail. I want this over payment returned to me immediately. My lease does not expire until XX/XX/XXXX. At that point, I will make a decision to either keep the vehicle and purchase it or turn the vehicle in. Ally Financial has no right to withhold my over payment.
Consumer complaint received 2022-11-17
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (CA)

I received a debt collection account on my credit report. I never received any notice that this account would be reported as collection. I never received a phone call.I never received the option to dispute. I never received any written or verbal information from this collection agency. Furthermore, this account from the original creditor, has been paid in full.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

{$1800.00} was charged to my debit card and approved by HSBC through 3 transactions between XX/XX/2019 and XX/XX/2019. Other fraud was found between that time but declined and card was never blocked and I was not notified.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (TX)

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Consumer complaint received 2022-11-17
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. (NJ)

In accordance with the fair credit reporting act .The list of accounts below has violated federally protected consumer rights to privacy and confidentially under 15 USC1681 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) section sates : no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate