davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc. (OR)

Valon XXXX  XXXX # XXXX requires a captcha during the login process to access my mortgage account. Often the captcha fails, and after spending 2-3 minutes clicking 4-6 times each on over 10 separate images ( 40-60 clicks total ), I have still not gotten into my online mortgage account to be able to pay the mortgage and receive the monthly bill.

No other financial institution that use requires me to click on images to login to my personal accounts.

Note that I have a two-factor requirement enabled ( text to my phone ), and I support this strong security feature.

But, the captcha has delayed or prevented me from logging in on several occasions -- the images are often ambiguous -- and this is completely unacceptable.

I contacted Valon about this issue, requesting that they remove the captcha from ( at least ) my account. My email XXXX XXXX XXXX XXXX XXXX  Dear XXXX, I am generally happy with the mortgage servicing from Valon XXXX  after my mortgage servicing was transferred to you last summer XXXX. 

However, I have been excessively frustrated with the captcha login requirement to get into my mortgage account. I have financial relationships with a large number of other banks and non-bank financial companies, and at no other company have I had to click on images before being able to login to my account. 

Note that I have no objection to a two-factor requirement ( text to my phone ), and in fact this is a good security feature. 

But, the captcha has prevented me from logging in on several occasions XXXX  the images are often ambiguous XXXX and this is completely unacceptable. 

Please remove the captcha requirement to login to my XXXX mortgage account. I would very much hope that this is not an issue I need to raise with the Consumer Financial Protection Bureau, my XXXX representative, and/or social media to get resolved. 

XXXX XXXX XXXX XXXX  Their completely unacceptable response : " Hello, Thank you for taking the time to reach out to us with your concerns. 

I understand this could cause you concern, however, this is not a feature we are able to turn off as it is controlled by our authentication provider. 

We apologize this has caused you frustration, but we hope this provides more understanding to the feature. 

If you have additional questions or concerns, please visit our Help Center at XXXX or contact us via phone or email at XXXX. Valon XXXX  is here to assist you with all of your mortgage needs. We hope you have a great day! 

Thank you, XXXX Servicing Team Hours of Operation : Monday-Friday XXXX EST Phone : XXXX ( XXXX ) XXXX Email : XXXX ''
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX and XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with Experian and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX  and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.
Consumer complaint received 2023-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: ALLIANT CREDIT UNION (MI)

At closing on XX/XX/XXXX during my review of the loan documents I discovered that the loan amount had been changed to a lower amount then I applied for, and had been discussed with the loan broker. The loan amount change had not been disclosed to me prior to closing. I reached out to the loan officer to see if a mistake had been made on the documents and I was informed that the lender changed the loan amount. I informed the closing document signing agent that I would not sign the documents. I emailed the loan brokers requesting a loan amount increase. On XX/XX/XXXX I was informed by the loan broker that the lender would not increase the loan amount, I replied at this time that I would not go forward with the loan and I wanted a refund of the {$750.00} I paid for the house appraisal that the lender required prior to closing. The broker informed me at this time that there would be no refund, and I never received an explanation.
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RevSolve, Inc. (AZ)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Az XXXX, phone : ( XXXX ) XXXX called me Today demanding {$4600.00} in Hospital ER medical services provided on about XX/XX/XXXX - XXXX   2017. 

My insurance XXXX XXXX XXXX medical insurance informed me that the medical expense was PAID and there is no any outstanding DEBT.
Consumer complaint received 2022-12-31
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. (OH)

In accordance with the Fair Credit Reporting act XXXX 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 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NV)

On XX/XX/2023 I purchased XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX cases for the phones, a XXXX wireless charger XXXX with travel adapter and XXXX XXXX XXXX insurance policies from XXXX totaling {$3400.00}. In the deal they offered a trade-in value of {$800.00} per phone ( {$1600.00} ) that I traded in, but they only gave me {$800.00} for two phones. I tried to get them to refund me {$800.00} but they refused, so I returned the package un-opened with everything in it. ( Never opened when it was delivered by XXXX ) I used XXXX financing ( TD Bank ) {$2200.00} and the balance of {$1200.00} was put on XXXXl credit card ( XXXX XXXX ). XXXX stated that I never returned the two phones, XXXX XXXX XXXX or the XXXX wireless charger. They said only thing in the package was the two phone cases. I filed disputes with XXXX Financing ( TD Bank ) as well as XXXX credit card XXXX Bank. I also tried to file a theft/loss claim with XXXX but because they state I wasn't the shipper ( XXXX paid for return label ) I couldn't file a claim. When XXXX picked up the package from my house it weighed XXXX, but when it was scanned/weighed by XXXX it only weighed XXXX. Those electronics had to have been taken/stolen by someone at XXXX during transit . I tried to get XXXX to file a loss/theft claim with XXXX but they refused to file claim, basically calling me a liar and a thief for not returning the devices. XXXX has to have a way of finding these devices by serial numbers or something to see who has them. I have the tracking # 's and weights when delivered to me and returned to XXXX.
Consumer complaint received 2020-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After numerous attempts to validate how the credit bureau ( transunion ) validated the information on my credit report. I asked what was the method of verification and whom did you get in contact with. It seems like an automated response saying they investigated never explaining how or with who. After three responses still no change on my report this was since XXXX.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/20 at XXXX I discovered that XXXX dollars was taken out of my unemployment account right after I spoke with an older XXXX lady on the phone inquiring about some purchases I made from XXXX. I called Bank of America back and I asked them who took XXXX out of my debit account and I told her I wanted to file a dispute to find out who stole my funds. I was sent to the claims department and put on hold for 45 minutes. I then hung up called back and was hung up on. I then called back and out of nowhere 37 dollars was put onto my card. I called a total of 10 times trying to file a dispute but I was hung up on or never spoke with anyone. I was on hold 45 minutes then an hour, then one in a half hours, then 45 minutes and then 30 minutes and then an hour, then two hours, then another hour, then another hour and twenty minutes. I then called consumer finance but the connection was bad so I am filing my complaint now. I checked XXXX and between XXXX and the workers at Bank of America I believe someone at that bank stole my funds because XXXX would have sent an email stating refund to my account which they also owe me {$310.00} unless they stole the funds but the behavior of the workers and the 37 dollars mysteriously popping up onto my card is highly suspicious. Bank of America can not help me because the employees will not answer but there is definitely fraud going on and I want my funds placed back onto my account.
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MN)

So i lost my wallet back in 2012, sadly i had my SS card in it along with my ID. i was currently still under my mothers phone plan so i didn't try to get a phone in my own name but a few years down i tried to go on my own and they said i got denied no telling me at the time nor did i really look into why. So recently i had XXXX XXXX  help me out with my credit and they let me know all these collections on my credit from all these phone companies were in my collections so i let them know about what happen and they said they sent letters to the collection agency that had this collection and they did remove one of the collections on my credit but its a total of 5 accounts through out my 3 credit bureaus that is posted for collections and i feel that all of them should be removed completely because none of them are mines.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-04-12
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. (FL)

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 complaintXXXX and contacted the police department and obtained a police report # XXXX which both are 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  {$2200.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX
Consumer complaint received 2024-04-09
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: National Enterprise Systems, Inc. (FL)

Since XX/XX/2024 I have been attempting to get transcripts from XXXX XXXX XXXX. I have contacted them via phone and emailed. I was told my debt was with the Ohio Attorney Generals office. I contacted them they looked up my debt told me the remaining balance was {$2000.00} and that I had to speak with National Enterprise Systems Student Loan Services. I called the number provided at XXXX XXXX times it plays a recording and then prompts that everyone is busy leave a voicemail and someone will get back to you. Every time I leave a voicemail and no response. We are no well into XXXX and still no resolution. I have reached back out to the Attorney generals office no relief as well as XXXX XXXX. Most recent communication with XXXX XXXX was XX/XX/2024 they stated they can put the full amount on my student account but I have to pay it in full they don't do payments. If I need to do Payments then I need to speak to the state. And that is fine if I could actually get someone from the state to actually assist me instead of sending me to some debt collection agency that doesn't answer the phone.
Consumer complaint received 2022-12-31
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)

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 name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX 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 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 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (MO)

I have a PNC Bank XXXX ending in XXXX. In XXXX I notified PNC Bank that I wanted to close out the account and also paid the balance on the account of {$120.00}. They are saying that the check was not received in time and posted a {$27.00} late fee plus {$2.00} interest fee. I refused to pay the fees since I had notified them that I wanted the account closed due to medical issues of having XXXX strokes over the past year and not needing the credit card anymore ; as well as paying the balance in full that was agreed to via the phone. The following month PNC added {$38.00} in late fees and {$2.00} in interest. And they are continuing to add late fees and interest even though I have paid in full and closed out the account. I called them to discuss and after XXXX min. on line the phone line went dead while waiting for the XXXX to discuss with a supervisor ; and they didn't even call me back. I called back in and got a new person who essentially said " tough luck, but you owe us the money and have to pay it or we'll come after you. '' This is simply blackmail and hostage taking of someone's credit by not closing out the account and continuing to charge late fee on late fee and interest on interest without any purchasing being made since XXXX of 2023.
Consumer complaint received 2023-05-25
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. (TX)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, 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 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 2023-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (TX)

On XX/XX/2023 I purchased XXXX XXXX prepaid gift cards from XXXX. One in the amount of {$100.00} and another in the amount of {$200.00}. Both we gifted to my sister who immediately informed me that they had been used, the card numbers scratched out, and repackaged. I reached out to Target for resolution and redirected to XXXX who requested proof of purchase, pictures of the gift cards, my contact and drivers license information. I submitted this information XX/XX/2023 and received a case number of XXXX. To date, XX/XX/2023 XXXX has not provided resolution, I am out of {$300.00} and every attempt to follow-up and request a status update results in me being left on hold for excessive amounts of time. I provided all the necessary documentation and have still received no resolution from either merchant ( Target/Visa )
Consumer complaint received 2022-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

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 account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX  Open Date XX/XX/2016 Balance : {$7200.00} 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 2020-06-15
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: CARRINGTON MORTGAGE SERVICES, LLC (AL)

My mortgage was sold to Carrington Mortgage from XXXX. I wasnt notified of the change until nearly 60 days. On my credit report it shows 3 months of 30 days late from carrington mortgage but I talked to them and told them what happened and they said they would correct this. Also my banking info was entered in wrong on their end and I was making payments and they were not going through. They again said they would correct this on my file and they have not.i tried to get it straightened out and they said they would take care of it.