davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (GA)

Asked credit companies to do verification. They did and I found inaccuracies on my end. 

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights.

15U.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 INSTRUCTION
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

I went into a branch to apply for a Chase freedom unlimited card on Friday XX/XX/2022 because I was getting a lot of promotional emails, the most recent one on Wednesday XX/XX/XXXX, but also the same one on XX/XX/XXXX, and XX/XX/XXXX, all stating that I would earn {$200.00} cash back if I spent {$500.00} or more in the first three months of opening this credit card and 5 % back on gas station purchases on up to {$6000.00} spent within the first year if I apply before a certain date, the most recent email saying XX/XX/XXXX. When I went into the XXXX chase branch to ask about it and apply, the lady told me that I was getting an even better deal for coming in, that I would get all of that AND {$250.00} cash back. I got the {$250.00} cash back, which is nice, but after putting all gas purchases on that card, and it was a very expensive almost $ XXXX month for gas, they only gave me 1.5 % cash back on those purchases instead of the 5 % I was promised. I called the phone number on the back of the card and spoke with a supervisor on XX/XX/XXXX who informed me that she put a note on my account and that the chase marketing team would either reach out to me in about 7-10 business days or the rewards will automatically come on because I am entitled to what I was promised. Fast forward to XX/XX/XXXX, well after the 7-10 business day period she mentioned, and nobody has reached out to me and the problem has not been resolved. I call them again today and ask to talk to a manger to find out what the status of it is, and I'm told that because I didn't click the link in the promotional email that I am not entitled to the 5 % benefit. She told me that she put another note on my account that I called and that I should hear from the chase marketing team at some point, but reiterated that I am not entitled to the benefit just because I don't follow up with the email link. I argued that I was and that the branch lady promised me I would still get these benefits. Nowhere in their terms of service does it say that the promotion only applies if I click the link. I tried before to follow up with the lady at the branch but she's been on vacation all month and I thought this was an easy problem for chase to resolve without her, but it turns out unfortunately they are giving me a way harder time than I deserve. You can't promise somebody all of these special promotions and just not follow through with them. I would appreciate any help on getting the money that I am entitled to. Thank you.
Consumer complaint received 2022-09-01
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. (OH)

In accordance with the Fair Credit Reporting act 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 Secti
on 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-02
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account 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 accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00} 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
Consumer complaint received 2022-09-02
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account 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 accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00} 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
Consumer complaint received 2022-09-01
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: Credit Karma (CA)

Credit Karma, a company I am a subscriber, represented with my current score of XXXX I could obtain a XXXX Credit Card to consolidate my debt and obtain reduced payments with its issuance. Credit Karma never disclosed that XXXX Card would be using a Hard Review of my account, nor did XXXX Card contact me to achieve my permission to do so. It short, they ran my Report, turned my request down and it showed up on my Credit Page as an Disapproval with the subsequent action of the other Two Credit Agencies lowering their scores on my credit. This all occurred without any change in my Financial Status as I have NOT missed any payments in over 275 months according to my record. I saw that the FTC was fining Credit Karma {$3.00} XXXX Dollars. I am requesting a Remuneration of a portion of those funds for my Personal Credit Damages. I would also like to suggest that the XXXX Credit Card be Fined for NOT notifying and obtaining permission to run the credit of potential card users. Thanking you for your continued help and over watch on Companies who continue to take advantage of the unsuspecting. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2020-05-15
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. (TX)

There are several payments on my XXXX and XXXX accounts reporting as late though I have never paid late. Report states that I am 90 days late when there are no late payments prior to that? I have attached all bank transactions and statements that belong to this company that would prove my payments were not made late as inaccurately being reported therefore these late payments are unverified and need to be removed immediately Last verified date for XXXX shows XX/XX/2017. 

I have attached a no delinquency letter obtained from XXXX website as well as payment history from XXXX.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

We were in the process of doing a short sale. Unfortunately, I am unable to locate my 2nd mortgage which is causing a delay for us to move forward with the short sale. I have contacted over 20 banks and they do not have a 2nd loan on my property but the title company is showing an open 2nd mortgage. I have been informed that there is going to be an auction on the property on XX/XX/22. I am an ill man with XXXX have gone through numerous surgeries and just trying to have this resolved.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Ran my credit XX/XX/XXXX and noticed there was a collection account for {$2000.00} sitting on my personal credit. It's taken me 6 hours of phone time to contact all the 3rd party collection company, XXXX XXXX as it seems the fraud was done through them, XXXX and now XXXX who is requiring this report as well. I've already had the collection company and XXXX on the phone and they concur this is not my valid charge. Account that was opened and closed within 1 month in XXXX. 

Respectfully, requested this be removed from my account as a practicing, licensed through XXXX and CA XXXX, I'm aware of the protocols and sincerely never had to personally go through this process, which is completed painful and shame we take this long for our consumers to resolve. It gets placed overnight but takes a ton of work and effort to attempt and successfully remove.
Consumer complaint received 2022-09-01
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. (OH)

On XX/XX/2022 XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to XXXX XXXX who is now violating my rights.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2022, I was the victim of fraud. I transferred {$20000.00} from my XXXX XXXX account to an account at Navy Federal Credit Union. 

I recalled the transfer the next day, but Navy Federal refused to reverse it. I filed a complaint with CFPB about this. 

In XXXX, they informed XXXX XXXX that the funds could be returned. I signed a letter of indemnity with XXXX XXXX to receive the funds. 

Yesterday, Navy Federal finally completed the transfer recall. But they only returned {$3500.00}, or about 17 % of the total that was taken from me. The rest is a " fee '' according to the communication from XXXX XXXX. A {$17000.00} fee held by Navy Federal. 

I contacted XXXX XXXX, and they said they've done all they can and had no further explanation from Navy Federal. When I contacted Navy Federal, they said I'm not a customer of theirs, and they could not share information about their other customers ( the person who defrauded me ). 

I want to get the rest of my money back. Thank you.
Consumer complaint received 2022-09-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (NC)

We had went through the loan process to obtain a home through Mortgage solutions of Colorado. We had a pre-approval of {$350000.00} in XXXXXXXX XXXX  XXXX. I had a guarantee that this company would get me into my home. We began looking for a home. We had found a home and going through the process of obtaining it. I had put down the earnest money for it and everything else. Finally it came to a few days before closing. The closing date kept changing because the underwriters kept wanting documents and statements regarding items on my credit report. I had made everything current that they had asked for such as my credit card and another loan. I even went through the process to allow them to talk to my creditors and prove I was current. The day we were supposed to close they denied me because even though I made current on my credit card and proved it, it still showed I was late on it. Now they have left a veteran and his family XXXX  and have not made any attempts to fix the situation by giving the monies back that way paid into it. It has been 48 hours since the phone call denial and after numerous attempts to get documentation of the denial, they have yet to send it to me or my realtor. They left our family XXXX  and they left the sellers XXXX  because the sellers moved out and were living in a hotel until I was able to close so they can get their home. I had asked for the denial letter numerous times so I can proceed with further legal action if possible. I have tried to obtain contact information so I can speak to the President but no one is willing to give it out. No one has since contacted us or anything since my denial to see how my family was doing or try to find a way to fix the situation. Keep in mind this was all over a credit card that was showing late on my report even after varifying current status. In the state of North Carolina it is illegal for the lender to guarantee me a home all the way up to closing and then deny me the day of closing. I feel like I was scammed just so this company can make money.
Consumer complaint received 2022-09-01
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. (IN)

I have been dealing With a divorce and Exwife had a XXXX XXXX XXXX XXXX She closed this box XX/XX/18 Due to sending credit cards to this box to this address. This was not nor has it been my address. 
I have disputed this address with experian for 2 yrs they will not remove it due to accounts attached to it which are credit card accounts from my exwife. 
I had validated this was not my address on more than one occasion Experian needs to know and understand under the FDRA and The FDCRA this is a violation unless it's verified in which they have failed todo. 
This was solely in my wife 's name not mine, Please investigate and remove at once at a physical address as which a po box is not a physical address even though it's not my address.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Account was charged off and I paid XXXX directly. I was told that once paid account would be deleted from credit report. Over the years I didn't realize that it was still showing and as a negative account. Called them and was told there's nothing they can do I have to wait for it to fall off ny report. So basically they lied for me to make the payment then didn't keep up with their end of the bargain
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

transunion has taken more than 30 days to Investigate my disputes i demand that they remove them as it has been more than 30 days i sent dispute back i XXXX almost 3 months ago the must remove the XXXX XXXX XXXX car loan and credit card disputes i have sent as it has been more that 30 days.
Consumer complaint received 2022-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Select Portfolio Services has my mortgage and sent a letter saying I'm in default which is a lie! I paid XXXX 's payment and owe XXXX which i will pay.THey harrass me daily with messages and calls every day! They have cursed me and threatened me verbally on phone calls! They have said they didn't recieve payments when I sent money orders and i called the tracking numbers and they did cash them, then hung up when I told them they were lying!
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I got a email a few weeks back stating that my acct was approved. I assumed it was a scam so i ignored it well today i get a letter from bank of america staying that they closed the acct because they couldnt verify my identity. So i called thenm and they said yes a checking acct was opened on XX/XX/XXXX and that it was closed XX/XX/XXXX. They told me my ss # was used to open it and to call the ss office to get a lock on my acct well i did that and he said if he locks it even i cant use it and would have to go down to the ss office which i dont want to do and then they told me to contact you. Not sure what can be done but i dont need someone ooening stuff and using my ss #. I have excellent credit and dont want that affected by some lying thief
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (VA)

Ive submitted multiple disputes to XXXX  ( account # XXXX ) to have my account deleted as a result of identity theft but I am still receiving emails as of XX/XX/2022 in attempt to collect a debt not owed. I have email confirmation from the original creditor, affirm inc., that these charges were a result of identity theft. I also made a police report and have been in contact with an investigator. I would appreciate if my XXXX  account were to be closed immediately and the collection attempts were to be stopped.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Venmo Money App is a large financial app that takes money and allows payment or to receive payment. Lately they have been freezing accounts for several weeks for no reason leaving the user stuck unable to access funds or make transactions. A user cant make payments or receive payments from work or other transactions for several weeks. Its happened to me and is going on right now. I dont think a financial institution should be able to manage money if they dont have staff to run it properly. Right now my account is frozen for no reason and its been weeks and nobody knows why. My paycheck is being withheld until this problem is fixed. This is common. They shouldnt be allowed to operate in this manner, managing money, when they often freeze and hold money for weeks with no real way to fix it
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (CA)

There was in Inquiry placed on one of my credit bureaus ( XXXX ) from FNB OMAHA on XX/XX/2022 that I do not recognize. I did not authorize this company to place an inquiry on my report, nor did I sign or give consent to pull my report. 

Please remove this inquiry immediately. 

Thank you.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (MA)

HI, my name is XXXX and I need help or advice for my situation. I always file my taxes with XXXX XXXX XXXX XXXX however last year, I was XXXX  with XXXX XXXXXXXX child and my XXXX are considered XXXX so because of my concerns and fear of catching XXXX, I decided to file my own taxes online. Upon reviewing what I submitted, I noticed right away that I accidentally made a terrible mistake. The last XXXX digits on my bank account for direct deposit were XXXX and I entered XXXX. I called both the Irs and Chase bank and they both assured me that my refund would not process through the incorrect bank account because neither my name nor social security number was associated with the account. Unfortunately, they were wrong, and not only did my federal and state refund go into some random account but also a stimulus payment and XXXX  child tax credit. A total of over XXXX of my money into someone else 's account. The Irs did investigate and I received confirmation letters of everything that happened however the Irs could not force Chase bank to return the funds leaving me to deal with Chase bank on my own, I have exhausted everything. I've filed several claims through the bank and they keep closing them and keep giving me the run-around, this has caused so much stress. I'm just hoping that something can be done. Please, any advice will help. 
Thank you.
Consumer complaint received 2022-09-01
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. (GA)

Second Notice to report fraudulent inquires on my consumer report. 
I filed a complaint with CFPB on XX/XX/XXXX and my case was closed XX/XX/XXXX that the issue was resolved. The following inquiries are still on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX