davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX have 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.
Consumer complaint received 2022-12-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

In XXXX of XXXX, I received a letter stating that my mortgage payment was being increased from XXXX to XXXX per month due to an escrow shortage of XXXX. I spoke with a representative who stated that if I paid the shortage in full, my payments would not increase so, I paid the shortage in full. After paying the shortage, the company still raised my payments from XXXX a month to XXXX the following month. I went into my account last week to pay my mortgage and saw that it was raised from XXXX a month to XXXX a month due to an escrow shortage of XXXX. I called the mortgage company and was told by the representative that my payment last year was never applied to my escrow account. When I asked what happened to the funds, I was given no response and was told in so many words, that I had to pay the penalty for their employee 's incompetence. I tried to explain that this year 's increase would have me paying double the amount of the shortage, but was met with a non-caring response by the representative. I have never had this issue with any of the previous mortgage companies, and my gut is telling me that this company is purposely misappropriating their customers funds for the purpose of increasing mortgage payments. I don't feel that this is a fair practice, and I think that they are trying to prey upon retirees on a fixed income and eventually take our homes. There are already far too many of us on the streets as it is, we don't need a company trying to make more of us homeless. Will someone please look into this? The company is Freedom Mortgage. 
Thank you, XXXX XXXX
Consumer complaint received 2022-12-02
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: TransferWise Ltd (IL)

Membership Number : XXXX Transaction no. # XXXX XX/XX/XXXX, XXXX issued a refund for order number XXXX in the amount of {$160.00} to XXXX XXXX XXXX 

Well the refund failed, so they issued another one which also failed. 

I disputed it Wise, and wise said XXXX rejected the chargeback request. 

Every time I reach out to XXXX they say they'll talk to their Billing department. Every time I reach out to wise they literally send me the exact same email over and over again. Almost as if they're copying and pasting " The merchant rejected our charge back request.

We're now 3 months in and we've gotten no where with a refund. 13 email conversations I've had 2ith
wise and they just spam the same email over and over and over again. I've already sent them additional contact from the merchant for arbitration ... a month and a half ago.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-12-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALAMEDA MORTGAGE CORPORATION (CA)

Alameda mortgage was in receipt of my cancelation of loan XXXX for XXXX XX/XX/XXXX. The law and contract says all of lenders interests in my property are canceled immediately period. They sent me a bill for the canceled loan while I made payments on the original loan for XXXX with Alameda. After I cancel Then they prove to me they have canceled all interests. Then they return the money they took from me for the loan, XXXX XXXX They did none of that. But I gave back money per contract, after a reasonable time for alameda to fix their breach of contract and law. I gave back almost XXXX of the XXXX they gave me. They paid off XXXX in cc. The contract said and the law that they have to ask for any more money or property or I may keep it. They did not ask. Then they sent a bill for the canceled mortgage then their attorneys said I was 44 days late to my attorney and then they sent their attorney to intimidate me again stating they credited the payments I made to them for the XXXX loan, to the canceled loan. They asked for escrow payments they never set up. My home was uninsured for 3 months because of them. But they continue to bill me for escrow and sent that to the money source. Now the money source is trying to collect on a canceled loan and for escrow payments. I fail to see how this company continues to get this agencies support when it isnt even trying to hide their unlawful conduct. Its a free for all on predatory lending, breaking the law, and unlawful debt collection because this agency gives them the green light to do so. This loan was canceled and they broke the law by not canceling it and you agree. Then you agree I have to pay an additional XXXX $ a month for 30 years to this company and I got NOTHING from this but ongoing serious financial injury, lost retirement income, lost hope, anxiety, and a firm understanding that this agency serves the criminal predatory lenders and punishes the single family homeowners who are retired and alone. The law means nothing here!
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (VA)

I recently opened an Axos Bank Rewards checking account on XX/XX/2022 using promo code XXXX which is a {$300.00} bonus after meeting specific terms with new account holders. Terms have been provided at the bottom of this form. 

On XX/XX/2022 a {$7100.00} deposit was placed into my Axos Rewards checking account originating from XXXX XXXX, and the transaction coded as investment income. This deposit transaction met the terms of having a deposit within a single month from a third-party, being within the first 3 months, and being greater than {$7000.00} which makes the deposit sufficient to meet the bonus threshold according to the terms. 

I reached out to Axos bank to check on the status of the bonus on XXXX different occasions. The first was via online messaging system and was told that my account did not currently have a promotion code attached to it, even though their system auto populated it during the application process. I then proceeded to call into customer service, and was told that I met the requirements according to the reps immediate supervisor and I believe she did see the promo on the account, but no further action was taken besides having me wait longer. 

Because of conflicting answers from the Bank, and knowing others who have applied in my same time frame received their bonuses already, I would like some help in mediating the situation to ensure that Axos Bank stands up to their obligation. 



" To receive up to a {$300.00} Bonus : An Axos Bank XXXX XXXX application that includes the promotional code XXXX must be submitted between XX/XX/2022 at XXXX PST and XXXX PST on XX/XX/2022 to qualify. You must open your new Rewards Checking account and have qualifying direct deposit ( XXXX ) see table below. XXXX XXXX XXXX XXXX amount in XXXX Evaluation Period You must have these deposit amounts within a single calendar month during the first XXXX ( XXXX ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank XXXX account ) to receive bonus credit. All eligible awards will be delivered to your Rewards Checking account within 30 days following the XXXX waiting period. Account must remain open for 180 days or an early closure fee of {$150.00} may apply. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the 30-day Evaluation Period. ''
Consumer complaint received 2022-12-02
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. (MI)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is 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/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-12-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/2022, Unable to Access Truist website. System is apparently down and no way to get help. No phone help as the auto system will not direct me to a help page, XXXX page is only way to comment and it has no update posted on outage. Tried a messaging but no response after 1 hour. Chat doesn't respond.
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
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. (GA)

This is my several attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (AZ)

I refinanced my home with Sun West Mortgage in I believe, XXXX or XX/XX/2022. I also cancelled my home owners insurance with XXXX XXXX XXXX on XX/XX/2022. In XXXX and I signed with XXXX XXXX. I received a letter from Sun West stating they received two claims for homeowners insurance payments. I called Sun West and verified my cancellation with XXXX XXXX but Sun West had double paid to XXXX XXXX and XXXX. Then In XXXX I again received a letter from Sun West Mortgage stating they double paid again. I called Sun West and cleared it up again. I filed a complaint with The XXXX  XXXX. Of XXXX : Consumer Complaint for XXXX XXXX. I also filed a complaint with CFPB against XXXX XXXX XXXX ; Complaint ID XXXX. Since that time Sun West has not been sending me my payment coupons. They have been calling me and in their verbal disclosure they are threating foreclosure on my house with this statement " We are a debt collection agency and whatever you say can be used for that purpose ''. I have made every payment and in fact have made extra payments to my principal. They have not resolved my issues and in fact continue to threaten foreclosure. Please investigate their business practices and ethics.
Consumer complaint received 2022-12-02
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. (IN)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Hello, In 2019, I purchased XXXX money orders. The money orders have not been used and I have the receipts. I contacted Money Gram to return the money orders for a cash refund. Money gram basically said that even though the money orders have not been used, that the money orders have no value now because MoneyGram has deducted the full face amount as fees. 

Money Orders : XXXX. {$50.00} XXXX XXXX. {$20.00} XXXX XXXX. {$75.00} XXXX I believe that this is stealing from me, the consumer. I am making this compaint because consumers should have more time to return their monty orders, especially since the XXXX XXXX. MoneyGram has made no concessions for consumers due to XXXX I was sick and could not use the money orders in time, I am just coming back toeing able to handle my affairs and returning these money orders was something that I needed to do. 

This services as a formal complaint, I want a refund.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key bank XXXX I dont recognize these inquiries in to my best of knowledge they are not mine I believe I might have been effected by a breach or information got into the wrong hands
Consumer complaint received 2022-12-02
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: SYNCHRONY FINANCIAL (FL)

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

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 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. 

From the dates XXXX. I have tried disputing it because I was a victim of XXXX. With the XXXX Forbearance program, I was eligible to dispute those late payments and get them removed from my credit report.
Consumer complaint received 2022-12-02
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. (SC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Back in XXXX of 2023 my USAA checking account was hacked and over several XXXX dollars was stolen and never returned to me. USAA closed my account, not taking my concerns seriously, and my account sat negative from then on. I sent countless complaints to USAA and escalated as far as I could with no resolution. My paycheck that was deposited at the time the fraudulent activity occurred, was also taken, leaving me with XXXX dollars to pay my rent and my bills. 


I no longer have access to that account but am willing to work with whoever can help me to get record of everything with USAA.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC (TN)

XXXX XXXX XXXX XXXX will not answer any questions or provide any debt validation. I have called their collection agency : Loyd McDaniel, in XXXX, KY, to attempt to get information on the debt, and they say the " file is locked, '' and they can not provide any information. The numbers to XXXX XXXX XXXX XXXX either don't work or go to voicemail without a return call. 

This debt was supposed to be settled during the divorce proceedings, and we paid the $ XXXX in a settlement with them. Yet they still claim the debt is valid.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XXXX  I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2022-12-06
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: CarMax, Inc. (IL)

In accordance with the fair credit reporting account XXXX account # XXXX has violated my right.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A Creditor may not treat a payment on a car payment account under an open end consumer credit plan as a late payment for any purpose.
Consumer complaint received 2022-12-02
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: Eastern Account Systems of Connecticut, Inc. (AR)

I have filed a police report and a ftc identity theft report and sent the copies of the report to each account that has been fraudulent opened in my name to each.My house was broken into and my computer, phone, ssc and birth certificate was stolen. I have several accounts that is fraudulent opened that needs to be closed and deleted of credit report as soon as possible.
Consumer complaint received 2022-12-02
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. (FL)

XXXX XXXX Account # XXXX is reporting blatant inaccurate, inconsistencies on my report and according to the FCRA Statutes 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.