davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc. (NC)

I have already filed a complaint and will be filing another based on the false information that the bank responded with. 

The information you provided regarding Visa rules is accurate - You state here that what I submitted was accurate. Meaning, the cardholder shall be given credit during the investigation as determined by VISA Rules Section 1.1.11.1. 

however, the rules also state that the Cardholder must attempt to resolve a dispute with the Merchant or Merchants liquidator, if applicable. You provided copies of your email communications with the Merchant which confirm that the Merchant attempted to work with you to resolve the issue but you did not respond and therefore did not accept their assistance. - You say that I never responded to the merchant, this is false as I reviewed the emails myself and show my responses advising that I wanted a refund and would accept nothing less and even offered to take a 50 % refund. The Merchant refused! 

SoFi has not provided a provisional credit for the following reasons : -It is not required by Reg E - This is not a Reg E claim ; I provided you a call recording with VISA Rules Customer Service who clearly stated that this claim falls under VISA " Consumer Dispute '' Rules and not under Reg E ; I also called the Fed Resv and CFPB and was advised of the same. Reg E only covers " Errors '' on an account ; these pertain to ATM/Debit Card transactions using the PIN associated, it does not provide " Consumer Dispute '' guidance.

You agreed to ( and did not honor ) a 15 day Money Back Guarantee with the Merchant - Under VCR 13.3 the Merchants refund policy has no bearing on the dispute and is not used to determine if the claim is valid or invalid. 

You did not work with the merchant to resolve the issue. - This is not true I attempted twice to get the Merchant to view it from my standpoint and even offered to settle for less than the purchase amount. 

You people apparently do not know the difference between a Reg E complaint and a " Consumer Dispute '' and what guidelines to follow. You really need to sign up for VISA Class and get certified on how to handle these complaints. Considering if you simple review documents on the VISA website as well as companies who specialize in chargebacks you will see that I am 100 % correct and you are 100 % incorrect with this matter. 

I think that the Fed Resv, CFPB and VISA all need to be brought into this and give their take on this case and prove who is wrong and who is right. I bet I prevail!!!!
Consumer complaint received 2020-03-09
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. (GA)

I applied for a home loan and was not approved. The lender lady went over my credit with me and there are items on my credit that is still not mine. Im trying to get a house for my family and this is really holding me up. Please take XXXX/XXXX  XXXX Acct # XXXX and XXXX/XXXX. I have contacted the FTC and local police.
Consumer complaint received 2023-02-13
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. (PA)

XXXX ACCT # XXXX Date Opened : XX/XX/2014 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXXt # 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 an 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 and consumer credit plan as late for any reason.
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NV)

after applying for new credit, I was denied. I requested a copy of my credit report and noticed accounts that were not mine. I reported the discrepancy and filed a complaint. I was a victim of identity theft.
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (CA)

My bank, Ally Bank is refusing to respond my many emails, Phone calls and chats about a check for {$86.00} I requested to be issued from my investment account. They jydo not answer me and refuse to mail me my money which they already deducted from my account.
Consumer complaint received 2020-03-09
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. (GA)

I applied for a home loan and was not approved. The lender lady went over my credit with me and there are items on my credit that is still not mine. Im trying to get a house for my family and this is really holding me up. Please take XXXX/XXXX  XXXX Acct # XXXX and XXXX/XXXX. I have contacted the FTC and local police.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

I have had my student loans for over 10 years. In that time period, I have never had a late payment on any of my loans. During the 2019 year I placed a loan with Dep of Ed/Navient in forbearance. Unbeknownst to me, this loan came out of forbearance and I was never contacted regarding its status. Every account that I have with Navient is on automatic payment however somehow this account was not.It appears that Navient had made a mistake with a double charge in my past and in order to prevent that in the future perhaps autopay was turned off on this account. Navient allowed this to continue for 3 months without my knowledge and then reported a 90 day delinquency on my credit report during the time I was trying to purchase a home and completely destroyed my credit. All I have asked Navient to do is take a payment for this loan and repair the report so that it is not showing on my credit as a late/delinquent charge. Navient will happily take my money but refuses to give me any information regarding the status of their reporting to me and are forcing me to go directly to the credit bureaus to file a complaint. How can a company be so brazen in their handling of a student just trying to get by.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (NV)

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sent a wire from my Business checking account to a XXXX business checking account for a client. I had previously sent a wire, to the same client, from this account without issue. This was sent on XX/XX/XXXX in the XXXX BOA branch. I went to the bank the next day to check on the wire and they confirmed that it was sent and did not know why it wasnt recieved by my client. I followed up almost daily by phone, email or physically going into the branch. The wire did not go through until XX/XX/XXXX with BOA holding it for being suspicious. I was never contacted or advised on the reason. In fact the manager, XXXX XXXX, pushed me to recall the wire and promised to remove the wire fee, as well as the recall fee, when everything was complete. 
The wire team finally called me on XX/XX/XXXX and released the wire. This was recieved by the client on the XXXX. Which was 20 days after the initial wire transfer. 
I was upset by BOAs service and lack of knowledge on where my money was. However, the true issue is the charges that BOA left on my account. I contacted the manager, XXXX XXXX, to remove fees by phone initially. I was never called back. I sent her several emails which were also not returned. I then went into the branch on XX/XX/XXXX. The business advisor let me know he received my emails but that he was not able to return the fees. It needed manager approval. I asked to speak with XXXX and to remind her I had reached out countless times. She was in the branch, but refused to come speak with me. She advised she was busy checking people in and couldnt leave the front. I asked for the number to file a complaint with BOA and was given an incorrect number. I spent close to theee hours on the phone and was transferred and hung up on 6 times before giving up. I do still have my accounts with BOA but keep business to a minimum. They steal fees and hold funds to collect as much as possible. I am owed over {$45.00} from the incompetence and lack of service provided
Consumer complaint received 2020-03-09
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: LEXISNEXIS (NV)

law saids they have 30 days its been 35 days remove the ftc violations two XXXX XXXX XXXX all inquires XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX   XXXX
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Aqua Finance, Inc. (WA)

I called today XX/XX/XXXX and was told the customer statements are just estimates or averages of next months billing charges. The person I spoke to emailed there internal statements which shows all or at least a majority of all my over the minimum payments they apply towards interest. On XX/XX/XXXX a minimum payment of {$90.00} was paid on time and they charged me {$7.00} interest, on XX/XX/XXXX I made a {$100.00} payment on time and paid as extra {$10.00} above my minimum required payment of {$90.00} and I was charged {$11.00} in interest? All amounts over the minimum required payment are legally supposed to go to the principle, and the statements have to be correct, they cant be a estimation or a guess, none of the amounts on any of these statements makes any sense. I feel like there is something shady going on, and if its being done to me than its being done to everyone, and according to other customers in XXXX  this company is doing alot of illegal things. Also the customers statements say one name for the company and the internal documents say a different company name. I have also had to report this company to get credit agencies reports corrected 2 times.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid 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: CITIBANK, N.A. (NJ)

Dear Sir/Madam, I purchased 2 airfare tickets for myself and for my wife to travel together on XX/XX/XXXX and travel date was XX/XX/XXXX from XXXX and airline was XXXX XXXX XXXX   XXXXXXXX charged me {$1600.00} for 2 tickets ( each one was {$810.00} ) and I have a proof of that from their website. I used my Citibank master card Unfortunately, because of Corona virus. XXXX of XXXX XXXX put banned on all pilgrimage travelers. I have the news proofs from XXXX  XXXX, XXXX XXXX and other resources news from XX/XX/XXXX. I called XXXX  but they had closed their call centers and no one was answering the phone. Till today, XXXX   don't respond. I couldn't open a dispute case with XXXX   However, I had gone ahead and open a dispute with Citi credit card. XXXX charged citicard twice for the amount of {$810.00} for 2 tickets. So, I end up opening 2 disputes with Citicard. I provided all the  evidences and Citicard disputed with the vendor and issued me a credit of {$810.00} only while all the evidences were the same for the 2nd dispute also. I called numerous times citicard services and explained and provided same documents over and over again but non of the dispute investigator paid attention on it and sticked with their one credit. I would like citicard to issue me the credit of my other portion of the transaction {$810.00}. Citicard is keep reviewing, closing and opening disputes but not paying attention and refusing me credit saying it is too old now. Kindly, help me out. I have all the detailed documents that I can provide. 
On XX/XX/XXXX. I called citicard and spoke with Citicard rep XXXX. She said she will ask her manager to reopen the case again. 

Here is citicard dispute # XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent registered mail to all three bureaus requesting as the consumer for collection accounts to be deleted off of my credit report. Under and according to 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

So as the consumer as stated in section ( 2 ) I am giving and have given you written instructions to delete the accounts that are in collection Account status that are on my consumer report that are being furnished by all three bureaus.

This has caused severe harm to me as a consumer and per violation as stated is up to XXXX in fines so please delete the items listed above that are in collection status. I am not asking you to verify any of the accounts listed I have opted out of all companies that are listed in collection status from them furnishing you information so please dont say you have verified the information because thats not what I am asking as stated in section 2 I have given written notice to delete the accounts furnished on my consumer report.
Consumer complaint received 2023-07-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

My house burnt down on XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX issued a check in the amount of XXXX to me and PHH Mortgage. I endorsed this check and forwarded it on to PHH Mortgage via certified mail on XX/XX/XXXX. It wasn't until XX/XX/XXXX that PHH fed ex me an authorization to utilize property insurance claim proceeds to pay my loan in full ( form3 ). I signed the form and fed ex it back the same day. 
The payoff was XXXX leaving an excess of XXXX which I should have received by now. XX/XX/XXXX I have called PHH several times speaking to XXXX, XXXX, XXXX, XXXX and others. None of them seemed to know anything. 
I have tried to check into my PHH account online, however I receive a response " loan paid in full. '' Where is my money? I am trying to purchase a new home and need the funds.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom It May concern : We the XXXX XXXX XXXX XXXXXXXX do not report bankruptcies to any of the credit bureaus on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

For Further information please contact us at XXXX. 


Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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. 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 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 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 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My credit reports generated by TransUnion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of last activity, balance and close date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity ( XXXX/XXXX/XXXX XXXX XX/XX/XXXX Balance $ XXXX $ XXXX XXXX Close Date XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Georgia XXXX 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.