davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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: Experian Information Solutions Inc. (AZ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (RI)

I initiated a loan payment as an ACH transaction on my lender 's site, debiting from my SoFi Money account. The payment debited my account a few days later. 

I received a follow-up email from my lender that the payment was returned, and assessing me a fee. The payment was still debited from my SoFi Money account. 

I attempted to resolve this with the lender, and they were insistent that they received a payment returned for " No Account / Unable to locate account '' and to contact my bank. 

I called SoFi only to be told that they didn't return the payment, my lender is wrong. The only " assistance '' I could get from SoFi was being told I used the wrong routing number. I verified the routing number used on the payment was the correct one, and they had no further help or ideas. 

No one will help to try and resolve this. SoFi has stolen over {$1000.00} from me.
Consumer complaint received 2023-05-15
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2023-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (ID)

XXXX XXXX received notification from my insurance company that my premium had not been paid. I spoke with Valon Mortgage, and confirmed with them on the phone, the correct mailing address, as provided on the letter from my insurance company. I was assured this matter would be taken care of. 
XX/XX/2023- received a letter from insurance company that the policy was still unpaid. XXXX Called Insurance, and was informed that they had received a check from Valon , however, Valon then proceeded to order a stop pay on the check, and would not honor it. Called Valon, and they assured me it was a mistake, and they would correct the problem. We had a 3 way call with insurance and Valon, where the mailing information and dollar amount were confirmed directly with Valon, while I was still on the line. Valon insisted they would send out a check by mid-week the following week. 
XX/XX/2023 - Found out my homeowners insurance policy was cancelled due to Valon never submitting payment. Spoke with insurance, and they were able to reinstate my policy, unfortunately at a higher cost. I have paid the policy premium, and have requested Valon to respond to this issue, and I will be expecting reimbursement. Not paying insurance, appears to be a common theme with this company based on other XXXX XXXX XXXX  complaints. I firmly believe this company is taking customers money, and fraudulently using the escrow funds, instead of paying what should be paid out of impound accounts. They need to be held accountable. I work in the real estate industry, and what Valon Mortgage is doing, is wrong. They need to be held accountable.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I already setup an auto payment for my Bank of America credit card and it has been correctly paying my statement balance. However, the bank stopped and removed automatic pay method without notifying me. That causes a late payment fee and interest charged in XXXX 2023.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (MS)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXXXXXX XXXX XXXX XXXX XXXX MS XXXX XXXX : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX To Whom It May Concern : You are reporting the following collections as an OPEN ACCOUNT which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX COMPLETE CREDIT SOLUTIONS XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: First Technology Federal Credit Union (CA)

I typically pay this account in full each month by transferring funds from my primary checking account with XXXX XXXX XXXXXXXX into First Tech Federal Credit Union. I called First tech Federal Credit Union on XX/XX/2022 to inquire about an alternate way to pay the account as it would have become past due and was told I had a ten day grace period, and as long as I submitted a transfer request fro a future date there would be no impact to my account. First Tech Federal credit Union then reported this account as 30 days past due. First Tech Federal Credit Union has a copy of my conversation with the representative. 

If I hadn't been provided false and misleading information I would have paid the past due amount in some alternative manner to avoid an impact to my credit report, which has no past due payments whatsoever and I am currently in the process of buying a home.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I was shocked when I saw this negative items on my report. XXXX 's given by the Bureaus are very inaccurate across them specially the reported dates. The account status on XXXX XXXX XXXX was Paid on Experian while XXXX on XXXX, missing report on XXXX. The XXXX XXXX account was reported derogatory on XXXX only. This reports are misleading.
Consumer complaint received 2023-10-15
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: EQUIFAX, INC. (GA)

AGAIN THIS IS NOT MY DEBT : On [ XX/XX/2023 ], I mailed you a letter disputing [ inaccurate and/or incomplete information contained in consumer reports compiled, maintained, and published by you, allegedly concerning regarding the following : ( XXXX XXXX XXXX XXXX ) Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation and [ modify or delete ] the disputed information as I requested before the end of the XXXX-day period on the date on which you received my dispute letter. Here, you received my dispute letter on [ XX/XX/2023 ] ; therefore, your response was due on or by [ XX/XX/2023 ] -note : XXXX  days+ ]. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated [ XX/XX/2023 ], claiming [ XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ] Clearly, you have willfully failed to [ modify or delete ] the disputed information as I have requested. Instead of ( modifying/deleting ) the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ IT HAS BEEN VERIFIED ]. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of sud determination that complies with the FCRA. Furthermore, I directly dispute the completeness and/or accuracy of information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly [ modify or delete ] the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. Thus, in addition to your [ modification or deletion ] of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of [ XXXX XXXX ]. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within [ 14 ] days, ( 1 ) [ modify or delete ] the disputed information as requested. 
Enclosures : my letter dated XX/XX/2023 ; cC : CFPB ; FTC
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint against TransUnion for Failure to Remove Invalidated Items from Consumer Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to remove invalidated and unverified items from my consumer report, in violation of consumer protection laws. 
These are the accounts that should be removed immediately. 
Company, XXXX XXXX XXXX a collection account showing as open that has not be validated and no contract has been presented to me showing I consented to contract and is reporting as open. 
Company, XXXX XXXX XXXX XXXX, a collection account showing as open that has not be validated and no contract has been presented to me showing I consented to contract and is reflecting as open. 
Company, XXXX XXXX XXXX, an identity theft report has been filed against them and submitted to Transuion. 

I have submitted disputes regarding these items, but Transuion only responds with Item meets FCRA requirements, but with no details as to who it was verified or validated by or any details about the investigation.

TransUnion has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must provide accurate and complete information in consumer reports.

TransUnion has failed to conduct a reasonable investigation into the disputed items on my consumer report, as required by Section 611 ( a ) ( 1 ) ( B ) of the FCRA.

TransUnion 's refusal to remove the invalidated items contradicts the provisions of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which mandates the prompt deletion of inaccurate or unverifiable information.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 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 2023-10-15
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. (CA)

I am writing to inform you that I have recently been a victim of identity theft. This unfortunate event has led to unauthorized and fraudulent activities on my credit report. I am deeply concerned about the security and accuracy of my personal information under your stewardship. 

In addition, I believe there may have been violations of the following United States Code ( USC ) sections : 1. **42 USC 408** : This statute makes it a felony to misuse Social Security numbers . If my Social Security number was used improperly or without proper authorization, it could potentially indicate a violation of this statute.

2. **15 USC 1602** : Part of the Truth in Lending Act, this statute provides definitions for various terms related to consumer credit. If there was any misrepresentation of credit terms or failure to provide necessary disclosures, it could suggest a violation of this statute.

3. **USC 3-104** : This code defines what constitutes a negotiable instrument. It's unclear how this would apply unless there's an issue with a specific financial instrument involved in the identity theft.

I kindly request that you investigate these matters promptly and take necessary actions to correct any inaccuracies in my credit report due to the identity theft. I also urge you to enhance your security measures to prevent such incidents in the future. 

In addition, I would like to request the deletion of certain items from my credit report that are inaccurate or have been affected by the identity theft.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint FTC Report NumberXXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX Balance {$160.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XX/XX/XXXX - Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry XXXX XXXX XXXX. XXXX, XXXX - INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - INQUIRY XXXX XXXX. XXXX, XXXX - INQUIRY
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I took out a loan on XX/XX/2015 with XXXX XXXX in XXXX, Illinois. The total amount financed was {$21000.00}. After moving to XXXX I went to another XXXX car dealership in XXXX, NY to request to trade in the vehicle. The representative at this dealership noticed that the loan was overvalued. I am XXXX speaking and had applied for the car loan but was not provided with verbal information or written documents in my native language. After reviewing the loan contract with a financial coach, we identified two supplementary insurance packages added to the loan which has increased the cost of the loan and impacted my ability to pay. The Gap Care Advantage package was added to the loan for a value of {$590.00} and Autoguard was added to the loan for a total of {$1800.00}. I did not consent to these insurance packages. I also noticed a discrepancy in that contract that states the cash down payment was {$3500.00}, however the receipt given to me on the date I took out the loan was for a cash down payment of {$2000.00}. I requested a cancellation of both supplementary insurance packages. I have only received a response from Auto Guard for a partial refund of {$280.00}. The entire cost was {$590.00} and I never consented to the purchase of it. In addition to the dollar value of the insurance, because it was added to the loan, I have also been paying interest on top of the original value. The refund was sent to the car dealer by the insurance company but the car dealer has not provided any information regarding the refund of this insurance. I have called the car dealer on many times and they say they will call back but they never do. I have not received any response regarding the refund of the other insurance package valued at {$1800.00} plus interest on the loan. They also told me that after 6 months of payment, my interest payment would be automatically reduced to 2.99 %. At the time I asked the representative at XXXX to write this down for me and she said she could not, but I could write it down on her business card. Because the car dealership was not providing the financing themselves, they should not have provided me with an offer they had no control over and couldn't execute. They also told me that my payment would be $ XXXX monthly but it ended up being {$330.00}. When I went back to inquire they said it would be reduced after 6 months. When I returned after 6 months they denied making this assertion. I requested to speak with the representative who originally made this offer but they said that person is no longer at the company.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Around the date of XX/XX/2023, I mailed off a Pre-Arbitration Demand for Settlement Offer letter because the debt collector Portfolio Recovery Associates , LLC sent me an untimely letter in connection with me filing a complaint against them initially. They ignored it. They sent in an untimely response through the CFPB back in XX/XX/2023 after I sent them a debt validation letter and after their 30 days demanded that they delete the account for failure to validate the debt. It wasn't until I submitted a complaint with the CFPB when they decided to respond which is a violation of the FDCPA for failing to validate the date in compliance with the law. Since there was no enforcement, they continued to report the debt on my credit report. I then eventually received a letter from them in the mail with a model form b1 form that was not in compliance with 12 CFR 1006.34c Regulation F. I received a letter with a balance and statements attached that shows an alleged debt, but still not validating the debt in compliance with the FDCPA. Upon reading the letter I noticed a few FDCPA violations including : 15 USC 1692f ( 8 ) for having symbols and names that indicate the collection of a debt, 15 USC 1692e ( a ) a balance that is alleged and not proven to belong to me, 15 USC 1692b ( 5 ) because my wife received the mail instead of me, and 15 USC 1692c ( a ) ( 1 ) because the time I received the letter was not an appropriate time which caused distress in my between my wife and I, and 15 USC 1692d ( 2 ) because they gave me a disclosure telling me that they were not attempting to collect a debt when in fact they were. They lied which also constitutes fraud and 15 USC 1692 1692j ( a ) for the furnishing of deceptive forms. I want the account deleted from all CRAs. They have performed unfair debt collection practices, and I am also seeking remedy for the distress and hardship they put me and my family through due to their lack of compliance and remedy for report the account on my credit report inaccurately ( 15 USC 1681s-2 ).
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NJ)

I applied online for a line of credit. Navy Federal Credit Union immediately denied an extension of my credit. 
This is XXXX violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit. '
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.