davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (OR)

I have been working with Valon Mortgage to have the PMI removed from my mortgage. During this process, they have repeatedly misrepresented services, given assurances that have cost me money, and failed to provide any sort of meaningful support or processing expedience. When you are servicing a XXXX XXXX dollar investment, it is imperative that statements around financial matters to clients are both accurate and concise. While I understand the CFPB does not service customer service complaints, Valon has repeatedly made improper recommendations, given false assurances, and failed to follow through on what they are required to do as a mortgage servicer. 

On XX/XX/XXXX, a Valon rep stated that " regarding your PMI appraisal, not a problem. That does sound like a pretty massive undertaking so as long as it shows up in an appraisal, we can definitely move forward and proceed ''. Unfortunately, this was not the truth. We can't even get to a place where an appraisal can be scheduled. 

On XX/XX/XXXX Valon stated via email that Converting to a smart home could be considered a substantial improvement. So on that advice, I went out and bought/installed what has now come to over {$500.00} of smart home equipment. Smart thermostat, locks, doorbell w/ camera, and security system to run it all. But then on XX/XX/XXXX they said that we believe strongly that those items would not have changed the determination and have refused to submit them for approval. To make a suggestion that costs clients money and then back away once the client has made the investment is both repulsive and unethical. 

Finally, on XX/XX/XXXX Valon emailed to say that they proceeded to order your Property Valuation as of XX/XX/XXXX. Which was great. I was very excited. But then XXXX minutes later, they responded to say that wasnt actually the case. They should not be telling clients that their processes are moving forward when they are not. That is misleading and sloppy.
Consumer complaint received 2022-11-11
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2022-10-04
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)

Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.

Coronavirus Aid, Relief full Accommodation was not applied after i was promised.. 
XXXX XXXX XXXX/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
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. (PA)

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.

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 2024-02-22
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. (FL)

XXXXXXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-10-04
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. (CA)

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 report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Experian and XXXX are required to remove any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the Experian  and XXXX 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 2022-10-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my recent credit Reports XX/XX/2022 ; I noticed for the third time deficiencies of reporting and inaccurate information on Transunion credit report in violation of Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). DUE TO THE FACT Transunion fails to keep 100 % ACCURATE information and proof of verifiable and true reporting. Moreover I recently contacted the United States Bankruptcy Court and XXXX ( Please see attached proof of certified mailing ) ; Transunion still reports false and inaccurate information on my credit report. The court and XXXX National Credit File Reporting Agency DENIES Transunion 's " verified as accurate '' Report # XXXX recent report. I am still waiting for Transunion to give full disclosure about their purported " investigations ''.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I sent a letter to remove this personal information and inquiry that XXXX to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove this personal information and inquiry not later than XXXX business days. XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter to remove these personal information and inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiry not later than 4 business days. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2022-10-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC (AL)

On XX/XX/XXXX of this year, I transferred {$5000.00} ( from the sale of a house ) to a new ETrade XXXXXXXX XXXX Account in my name, and a further {$95000.00} on XX/XX/XXXX. At this time, I was in the XXXX and have only recently returned. 

For some reason, and after many phone calls, I was told that the bank was unable to validate my account and they were going to close it. They told me that I had to get my US bank ( XXXX XXXX XXXX  ) to initiate the transfer, which I did, and received my {$100000.00} on XX/XX/XXXX. I also asked them about the interest, and was told that it would be mailed to me. 

Having just returned to the US, I did not find a letter or any other communication from ETrade. I phoned them today and was told that there is over {$200.00} dollars of interest in the account but the account is closed and therefore they can not send the money to me! 

Although the amount is small, the bank is being dishonest. Surely they can not keep interest earned on my money. Their reason given - that they have closed the account- is a problem they created by closing the account in the first place, and completely beyond my control. 

Also, I have spent hours on the phone, mostly waiting to speak to a human and also providing multiple documents many times- in short, abysmal customer service followed by a dishonest outcome. 

Any help here much appreciated.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I received a bonus promotion from Citibank and on XX/XX/2023 I funded my savings account in the amount of {$75000.00}. Prior to funding my account I called to ask whether the money had to go into checking or savings and were told that it did not matter. Hence, money was sent to the savings account. I was advised that the money had to stay in the account for at least 60 days but could be taken out after that. I was further told that I had to keep {$1500.00} in that account to avoid getting charged a monthly maintenance fee and to prevent my account from being closed. 

I kept receiving messages that my checking account would be closed if no money is deposited into it. I called Citibank on a recorded line and was told I could just let the checking account get closed and that I only had to make sure that my savngs account would remain open to receive the {$1000.00} bonus by XX/XX/2023 ( latest funding date ). 

After continuing to receive messages that my checking account would be closed if no money is deposited into it, I called Citibank again and it was confirmed to me by the service representative that I could allow the checking account to be closed without this affecting my bonus for which I have already qualified. There are recordings from Citibanm of this that can be subpoenad. 

I have patiently waited until XX/XX/2023 to call and find out why I had not yet received the promotional bonus amount. I was told by one representative that this was because my checking account was closed. He was supposed to file an inveatigation but then hung up the phone on me. I followed up my call with another call and another representative assured me that I had met the terms of the agreement and that she would submit an investigation complaint. Today on XX/XX/2023 I called Citibank after having received no news from them regarding the investigation, and I was told that my request was denied because my checking account was closed. I told them to check the recordings of the calls with all of their representatives, since I have been calling ad nauseum with requests to confirm when it was okay to move the money out of savings and whether I needed to keep the checking account open. However, the supervisor told me that a decision was made by the bonus department and they are sorry but this is what it is. 

Please let me know when you need the account information, and other data to identify my account and to help look into this matter.
Consumer complaint received 2022-10-03
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. (TN)

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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE ON MY CREDIT REPORT
Consumer complaint received 2022-10-03
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. (NC)

XXXX  Account XXXXXXXX XXXX  Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXXt Account # 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
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NJ)

I never received the credit card and never used it I was out of country when this was happened XXXX XXXX XX/XX/XXXX to XXXX XX/XX/XXXX .when I came back I received phone calls and letters about the debt.I wrote letters to the company that this is not my debt I want to dispute the validity of this debt .They place a hold on my checking account due to judgment.The default dates on which the balance became due is XX/XX/XXXX when I was out of country. 
Original creditor : Washington Mutual Bank Account XXXX Creditor : XXXX XXXX XXXX
Consumer complaint received 2022-10-04
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. (NY)

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 2023-01-14
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: EQUIFAX, INC. (IL)

I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with XXXX being XXXX of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WI)

Please see the complaint that was sent to LexisNexis : Dear LexisNexis : I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information must be reported correctly or else it must be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in, and I know that they did not provide you with this information as they explicitly stated that they don & # 39 ; t report information to anyone. 

My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed this bankruptcy from your system. 
As a consumer, the first violation is 15 USC 1681 ( a ) ( 4 ) - consumer rights to privacy.

You infringed upon my consumers right to privacy by obtaining this erroneous information and selling it for profit. The second violation that I notice is 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. Upon the many other violations, I would like to give you the opportunity to fix this situation by removing this bankruptcy from your system within 15 days. 
Failure to respond or do the right thing ( i.e. Removal ) will result in a complaint to the CFPB, FTC as well XXXX. I do know my rights and youre violating them with this inaccurate information your company is reporting. 
Thank you, XXXX XXXX Without Prejudice
Consumer complaint received 2022-10-04
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. (NY)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these accounts from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$42000.00}
Consumer complaint received 2022-10-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts are ran as a chargeoff ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But I never received the 1099 cancelation of debt form. And because of that these accounts are inaccurate and they have to be removed. Thank you.