davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, XXXX, XXXX, and Equifax because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, Equifax, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunnova Energy Corporation (HI)

XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX Hawaii XXXX XXXX XXXX. Closed their business without any notification to customers. Calls, text, emails went answered. Drove to their office, everything gone. 

Our solar system has never operated fully. Called XXXX to report System Errors. Technician would come and service our system. Calls would be placed continuesly. Electric bill increasing. 

When we found out the business closed. Immediately called SunNova Solar Finance @ XXXX. Explained our situation. XXXX XXXXXXXX XXXX XXXXXXXX XXXX closed their doors, out of business, didn't notify customers. Solar System not working properly, electric bill increasing. 

In addition, monthly leasing fee has gone up. From {$300.00} to {$400.00} with additional tax and service fees ranging from {$290.00} - {$35.00} - {$17.00}. We started monthly payments to SunNova on XX/XX/2022. 

SunNova Customer Service advised they would look into having another solar company come out to service the system errors. To date nothing has happened. The solar panels and system are fairly new. No help with the monthly payments. 

We researched the warranties with XXXX. Next available appointment with a technician is in XXXX. With the understanding a service call involves fees. They didn't install the system. 

We were better OFF without solar. We are XXXX on a limited budget. We can't afford solar. 

Goal is to cancel solar contract, remove non-operational solar system. 

Information online is overwhelming and confusing. 

Looking forward to hearing back from you.
Consumer complaint received 2022-05-04
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. (VA)

In accordance with the fair credit reporting act XXXX  XXXX, Experian and XXXX have violated my rights. 
15 USC 1681Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 
All late payments from my credit report must be deleted
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, Transunion, XXXX, and XXXX because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, XXXX, and Transunion and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I have tried countless times to resolve this issue I called in on, XXXX and spoke to a XXXX at XXXX and we went over how incorrect information was being reported on my credit and I still have not received a updated credit report with this information removed. My date of birth is incorrect I have sent it mail and called and this public record is on my credit that doesnt belong to me. Im not sure how its even placed on my credit when my DOB is not correct. This is bad credit reporting on Equifax.
Consumer complaint received 2018-04-17
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: EQUIFAX, INC. (UT)

There is an item listed which is past the statute and unverifiable and needs to be removed off of my personal credit file. Please help as I tried to resolve the issue and no outcome Account listed is XXXX XXXX XXXX
Consumer complaint received 2018-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nationwide Financial Group (NV)

After becoming a widow we had some unauthorized activities on an account and decided to close that bank account. The car loan company XXXX XXXX was given notice of this months in advanced. While waiting for a form in the mail to authorize the change ( for two months ) payments were made over the phone. A customer service agent walked me through an illlegitamite online bill pay setup for the following month while also taking current payment over the phone on the XX/XX/18. Sure enough funds were withdrawn from both accounts. Causing more havoc on the accciunt we have been trying to close and holding up the closure of the account that would leave us with some funds to transfer out with. I have been promised the account to be reimbursed and have been waiting and watching daily!! So very frustrating!! How is this okay for the company to do? How much tube do they have to fix the problem??
Consumer complaint received 2022-06-12
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (SC)

On XX/XX/XXXX through the XXXX I was charged from numerous international companies in small amounts, all documents attached below, and some large amounts all. these companies continued to charge my account even after I had called the bank and reported the false charges. The bank has stated they have sent me a text message on XX/XX/XXXX but that had nothing to do with these charges. The bank waited until the XXXX to send a alert to me stating there had been fraud which I replied no to, they then followed up with a message saying they would contact me back which they never did, I called them a hour later and they told me my debit card was hacked and the account was secure. I continued to receive charges up to the XXXX even when pending charges, they let the charges continue. each time I called back was a different excuse, and the phone recordings as they stated will show so. Ive recently called back asking about XXXX XXXX liability and them telling me they escalated the case ( when they told me I would get a call back in 3 business days ) and they denied even having zero liability then not being able to do anything about it, and the escalated case was entered incorrectly and its going to take another 7 buisness days. Every time I call there's a new excuse and they need more time. I have filed a police report and I will be contacting a lawyer, but this is very stressful as it was close to {$4000.00} and they denied the provisional credit and the cases. They keep stating, after lying and giving odd reasons about my debit card being hacked, that it was now used on my phone, even though all these charges were international.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MA)

On XX/XX/XXXXXXXX XXXX XXXX I submitted payments towards my loans with Aidvantage. As of today XX/XX/XXXX, both payments are still in my account. I did not receive any notification as to why it didn't go through but I did receive a confirmation email for my payments from Aidvantage. I want to make sure that my payments are going through as that it doesn't affect my credit score and payment history. I need this resolved as soon as possible. I just received a new statement. I need to make sure that they are taking the payment out of my account before I can process a new one.
Consumer complaint received 2023-04-08
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. (NY)

On XX/XX/2023 Account Name XXXX XXXX Account # : XXXX Account date open : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
ACCORDING TO FAIR CARES ACT
Consumer complaint received 2022-05-04
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. (WI)

XX/XX/2022 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 

I made the payment XX/XX/2022 I have bank statements for accuracy in my dispute. 

This is not 60 days late! 

This is starting to become very stressful when Im trying to apply for loans and I keep getting denied for their negligence!
Consumer complaint received 2020-01-31
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: CITIBANK, N.A. (CA)

Had my identity stolen in XX/XX/2019 and have hard inquiries from EXXON/Cbna that i did not authorize. I called them to have those removed and its been almost a half year later and they are still reporting on my credit.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act : 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 XXXXXXXX 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 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 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NV)

Once again, CITIBANK is avoiding the truth in how they mismanage accounts. I am DEMANDING CITIBANK provide a fully executed copy of the credit card agreement indicating the precise section within it where CITIBANK is permitted to cut a debtors credit limit to below the debtors current balance. 
In doing so, it makes it appear the debtor is in violation of the credit card agreement relative to having a balance over the card limit. 
I NEVER exceeded the limit placed on my card. CITIBANK arbitrarily reduced this limit in an effort to place the card into collection status. 
This allowed them the minimum amount of feigned effort in working with an unemployed American not eligible for collection of ANY state or federal financial assistance.

This behavior by CITIBANK represents complete consumer fraud and I will expect this document in my effort to restore the credit damage placed on my once stellar credit profile. 
My suspicion is that due to my surname and being a minority, CITIBANK chose to consider me a credit risk in spite of my past decades of responsible credit use.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are.. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies.

You are required to take this derogatory account off my credit because it is enabling to get a house or a new car.. 

The following inquiries are.. 

XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card XXXX  XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

My husband and i purchased a home in XX/XX/XXXX. Our mortgage was sold to Wells Fargo and the 1st payment was due in XX/XX/XXXX. We set the payment up on Wellsfargo online and figured all was ok. I received a call 3 months later stating that we are 3 months behind on our mortgage and owe a balance of over XXXX. I immediately paid this over the phone and asked why the online payments never came out and why is this the first i'm hearing of this?. The representative said we never set it up. NOT true. I never received a call, email, letter, nothing trying to retrieve the payment until the call i got 3 months later! if you look at our credit, in the 54 years of us being married, never have we ever ever missed 1 mortgage payment. ever and we can not get them to reverse it so now our credit is showing 3 late payments and this is hurting our credit. i want to lodge a complaint to all 3 credit bureaus and  WELLS Fargo. This is very unfair to us. we are senior citizens and do not deserve to be penalized for their error. Please try to help us and go after Wells Fargo to correct this.
Consumer complaint received 2019-08-28
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: LJ Ross Associates (WI)

LJ Ross is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 LJ Ross appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, XXXX, removed LJ Ross because there was no basis for their claim. I have disputed LJ Ross to XXXX 3 times and they keep coming back saying it's legitimately belonging to me. LJ Ross is destroying my credit/FICO scores by their false claims.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Greetings! 

Due to a job loss last year, and struggling to find employment, I fell behind on my mortgage with XXXX, never getting more than two months in arreages. On the XXXX of XXXX, XXXX, I attempted to make a payment to XXXX via my XXXX XXXX account, only to receive a message that the payment was declined. I called XXXX and was informed that my loan was now being processed by BayView out of Florida. XXXX emailed me a copy of the Goodbye Letter, and gave me the phone number for Bayview. I called them and spoke to XXXX ( spelling..? ) who told me that my payments were still due at the same time, the interest rates had not changed, and that I had 60-days to make the first payment to them. I expressed my relief as I had also been without transportation since the previous XX/XX/XXXXand currently walk to work ( an hour to, and an hour from ) each day that I am scheduled and could put the funds on hand towards repairs on my vehicle. After the beginning of XX/XX/XXXX, I began receiving notices on my door from BayView, and then a letter stating that unless I paid $ 1700+ by the XX/XX/XXXX, they would foreclose on my home. I was baffled and in disbelief! BayView were assigned the mortgage the XX/XX/XXXX, and the letter from XXXX stated the 60-day window for initial payment. BayView has NOT honored that 60-day window, instead, cutting it down to thirty-days. ( ***Note : I have XXXX XXXX XXXX XXXX XXXX with XXXX  ; Chase was well aware of this as it was in the refinance documents I had submitted to them in XX/XX/XXXX. At this time, I am a single mother, working part-time at XXXX XXXX - hours are seasonal at best - taking care of my youngest daughter who is enrolled in online public schooling. My financial resources are limited as I can not find other employment until my vehicle is repaired. *** )