davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (CA)

Valon collected escrow funds for an insurance policy it had no intention to pay. 

Our mortgage was sold to Valon in XX/XX/XXXX. Shortly thereafter, they paid our homeowners insurance and earthquake insurance premiums out of escrow. Our XXXX, XXXX, escrow analysis was calculated to cover earthquake insurance, property insurance, and county taxes. 

On XX/XX/XXXX, I emailed a copy of the yet-to-be-paid earthquake insurance bill to Valon. On XX/XX/XXXX I called to make sure it was going to get paid since it was due on the XXXX. I was told unequivocally that they would not pay the earthquake insurance premium because the insurance wasn't a requirement of the original mortgage. They could not explain why they paid it in XXXX or why they had been requiring escrow payments for a bill they had no intention of paying. They refused to make an exception as they seemingly did in XXXX. 

At no time was I informed that they would not pay the earthquake insurance in XXXX. Based on the fact that they already paid it once, they were billing me for it, and our previous servicer had no problem paying it, it was reasonable for me to believe that they would pay it this time. In fact, their FAQ at XXXX XXXX XXXX says " If you have an escrow account for your tax payments and/or insurance premiums, the account will transfer over to us. We will continue collecting these funds and making the payments on your behalf. '' That seems pretty clear to me. 

Had they informed me that they would not pay it, I would have put the money aside to pay it myself. In the end, I was able to get them to request a refund out of escrow so I can do just that. Apparently this is in process and I should get payment in a week or XXXX. 

I am filing this complaint because I want to protect other consumers from Valon 's deception. They need to reform their escrow analysis so that they aren't collecting money unnecessarily. They need to inform consumers about this policy, especially when coming over from another servicer.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have asked Experian numerous times to delete an incorrect address listed on my credit report and for whatever reason they will NOT. The address is NOT mine, it is not where I live, I don't understand why it is so difficult to remove INCORRECT information as they are REQUIRED to by law. I will upload proof of my address as I have to Experian also and below is the address I would like REMOVED from my credit report. 

XXXX XXXXXXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has come to my attention that, despite other credit reporting agencies acknowledging and promptly deleting these fraudulent accounts, your bureau continues to drag its feet in rectifying this matter. 
XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I am appalled by the ongoing reporting of fraudulent accounts on my credit report by your bureau. Other credit reporting agencies have taken swift action upon the presentation of clear evidence of identity theft, promptly deleting the fraudulent accounts from my record. 
It is beyond comprehension why your bureau is failing to act with the same level of urgency and responsibility in rectifying this blatant error. The continued reporting of these fraudulent accounts is not only damaging to my creditworthiness but is also a blatant disregard for the evidence I have provided. 
I demand an immediate and aggressive investigation into this matter to rectify the error promptly. The evidence of identity theft has been submitted, verified, and acted upon by other credit reporting agencies, and I insist on the same level of diligence from your bureau.
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

Hello, I would like to file a formal complain against the student loan repayment company, NelNet. Their customer service seems like it is non existent and their website does not allow for the borrower to complete certain critical tasks. The task I would like to complete is to change the type of repayment plan I am using. This is a very important part of my repayment and affects my finances. They do not allow borrowers to change the repayment plan online through a self service portal. Instead, you must contact them. I have tried calling the company on four separate occasions throughout the months of XXXX and XXXX to be put on hold for 40-60 minutes each time. I have other obligations in my life besides sitting on hold, so I can not sit on hold for longer than this amount of time, so I eventually give up, which is I'm sure what they are hoping borrowers will end up doing. Further, I have emailed three separate times through the email form on their website and have never gotten a reply ( I waited at least 10 days between each attempt ). I also found a separate email address, XXXX, and have tried contacting that. I received an automatic reply that my question is something that they could not answer, which doesn't seem right, as the auto reply must've not even read my original email. Then, I tried another email address that I found on their website, XXXX, and asked the same question. I finally did get a reply from this email address but it was not helpful and they asked me clarifying questions that I already answered in my original email. Regardless, I answered their questions and explained my deep frustration and urgent need to change my type of repayment plan. It's been 12 days since I've heard from them and I suspect I will not hear back from them at all, just like what has happened for all my other attempts. Their lack of response and care for borrowers seems criminal. I need to change something with my loans and they don't allow for me to do it by myself and they make me rely on their customer service to do so, but then they never get back to me or answer the phone. How is this okay? How is this allowed? And, if i were to just stop paying the loan, then it affects my credit. It's really unfair, and extremely frustrating. I really need help and am requesting that this complaint gets sent to the company so I can get help from their customer service to change my loan repayment plan. 

Thank you.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Simon's Agency, Inc. (CA)

The medical practitioner at XXXX XXXX XXXX in New Jersey overcharged me for basic services. I paid in full at the time of visit. I never agreed to additional charges or services after the visit. 

They then tried to bill me an additional XXXX after I already paid them. 

I only received a basic physical with no blood work or extensive services. It was a 10 minute visit. 

They were not transparent that a basic office visit would cost XXXX dollars. This is what is wrong with health care in America. 

XXXX made no effort to provide evidence or help when I reported the issue. All of the other credit bureaus removed it along time ago. 

Simons Agency , Inc is the debt collection agency assigned to this account.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX EMPLOYER - XXXX XXXX XXXX  EMPLOYER - THE XXXX XXXX XXXX XXXX - XX/XX/year>
Consumer complaint received 2023-11-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$400.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX Balance : {$400.00} . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (LA)

I am writing to formally file a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Regulation Z, and for failure to arbitrate according to Terms and Conditions agreement provided by AMERICAN EXPRESS. 

Description of the Error : Failure to Arbitrate, Acceleration of Debt, Breach of Contract AMERICAN EXPRESS, failed to follow The Claims Resolution and Billing Error resolutions included in the terms and conditions received resulting in subsequent U.S.C and 12 CFR Regulation Z violations. 

American Express Representative Third Party Contracted Representative, XXXX XXXX : XXXX XXXX, Terminated US Federal Judge for the XXXX XXXX, Illinois XXXX, engaged in misconduct during her management of the complaint filed against American Express Company on XX/XX/2023. This misconduct included untimely response, acceleration of debt, intentional failure to arbitrate, and breach of agreement. 

Specifically : XXXX ignored written notices sent to her on XX/XX/2023, regarding violations of Regulation Z,12 CFR 1026.13, which occurred after the initiation of the arbitration and failed to follow up on her own requests.XXXX XXXX failed to ensure compliance with relevant federal regulations designed to protect consumers and ensure fair lending practices in violation of 16 CFR 433.2. This conduct raises serious ethical concerns and warrants further investigation.
Consumer complaint received 2023-12-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received a {$200.00} pre-paid American Express giftcard from my office for the holiday season. Every staff member received these the week before XXXX 2023. But I'm finding it incredibly difficult to use this gift card. So far since I activated the card, I've been surprisingly denied small purchases at XXXX, XXXX, and other online retailers and haven't been able to find a retailer that will take this card. American Express 's website and consumer portal says it's " Widely Accepted - More places than ever welcome American Express Gift Cards '' but I'm not finding that's the case. I can't even exchange this general gift card on common online gift card exchanges sites like XXXX cause the pre-paid American Express giftcards are not accepted for security reasons. I called the American Express customer service number listed on their website and also on the back of the giftcard on XX/XX/XXXX and only received the same information as listed on their FAQ and website homepage- which recommended to find a merchant where the giftcard is accepted. There's no option to put in a claim or service request from American Express just a physical mailing address ( American Express Gift Card Customer Care XXXX XXXX XXXX XXXX, GA XXXX ) and their general customer service number ( XXXX ). I don't know how to access/use this money on the giftcard or contact a person at American Express to get answers that help me with usage. I've been finding many customer stories online that recently these cards stopped working at normal online merchants and will be declined basically everywhere.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 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 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

The company, SOURCE RECEIVABLES MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX