davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

I have recently been awarded as a 100 % XXXX veteran and applied for property tax reduction as such.. The County ( XXXX XXXX, CA ) has issued a refund on property tax retroactively from the date I was awarded. In doing so the County sent out a form to the mortgage company ( Sun West Mortgage ) that paid the taxes on my behalf in an escrow account. The form lets the mortgage company determine if the refunded monies go to the home owner ( Me ) or paid directly to the Mortgage Company. My loan with Sun West Mortgage was closed Mid XXXX as I had refinanced to another company. With the beforementioned information Sun West without regard that my loan was no longer serviced by them elected to have the monies sent to them. The monies were sent to a third party company that Sun West uses to pay property taxes for there accounts and has been in there possession since XX/XX/XXXX. I have had daily phone conversations with the company and am just getting the run around as to where my refunded property tax money is! It was not identified that the money was sent to the third party until XX/XX/XXXX. Since than I have spoken to supervisor XXXX and XXXX. My last conversation with XXXX on XX/XX/XXXX was not even noted to the account according to XXXX whom I spoke to on XX/XX/XXXX @ XXXX. I had called at XXXX on XX/XX/XXXX and left a message for XXXX XXXX said he would call me back Monday morning and has yet to do so to this point. Since Sun West no longer has an active account with me they should have not of elected to receive my refunded money from the XXXX XXXX XXXX XXXX and I would have received my refund by now, like I did with the other refunds for the prior years from a different mortgage company. I feel as a XXXX veteran this company is taking advantage of the situation to control someone else 's finances, not sure if they do this kind of thing all the time to there customers but they are sure using my money for something since they don't seem to want me to have it!
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX, 2017 I was attempting to purchase concert tickets to see XXXX. I contacted a seller who offered to sell me 2 tickets for the price of {$70.00}. He insisted that we use XXXX by XXXX as it was a secure platform for payments. I agreed to this, as I assumed making a purchase using my banks platform must be the safest avenue in case their is a need for recourse. 

at XXXX XXXX XXXX requested {$70.00} from me using the XXXX app, which is sponsored by Chase bank. At approximately XXXX I completed the request for payment, immediately upon receiving his money there was no more communication on XXXX XXXX 's part, no matter how many times I attempted to get in contact. 

Following up on this I submitted a claim with my bank, Chase, as the service was sponsored on their website. My claim number with chase was XXXX. After approximately 4 days Chase concluded they could do nothing about the fraudulent activity which took place on their sponsored platform. I also followed up with XXXX, and they also agreed they will take no action against the fraud which they are sponsoring with their app. 

My case with XXXX is XXXX, I called in to report the fraud which they are allowing to take place on their application, and they responded by saying they will take no action. 

It is egregious that a banking institution will take no action to prevent this fraud or to attempt to recover my funds, when they have all the information they need to pursue charges against XXXX XXXX. Something must be done about this.
Consumer complaint received 2022-04-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

XX/XX/2022 FORMAL COMPLAINT TO WHOM IT MAY CONCERN : My name is XXXX XXXX I am writing to you on behalf of my husband ( XXXX ) and myself. 
From the beginning, we made sure our loan processor received all documents for refinance, he was very professional and helpful in getting us approved for this XXXXLoan . We complied with all documents requested in a timely matter. We already had an appraisal and pay the fees up-front, our credit scores were good and income was verified and good to go. 
NEXT step it went to the Underwriters for all documentation to be review and it was successfully uploaded. NOW all of the sudden I get a call on XX/XX/XXXX I was speaking with XXXX from ROCKET MORTGAGE in Michigan to advise me that our loan was close, with no specific reason as to why? I asked to speak with a supervisor and I was transferred to a Senior Lead Research Team Dept- her name is ( XXXX ) she said to me that they are closing our file and they would not be able to move forward with our loan when I ask for specific reason as to why?? Her reply to me was they DO-NOT- FEELCOMFORTABLE WITH IT . She was very rude with me. This explanations is very vague is not acceptable. 
I feel that we were discriminated with this as my husband is a XXXX veteran and this ROCKET-MORTGAGE did us wrong. 
This is just to advise other consumers or veterans to watch out in doing business with this company, there are nothing but crooks who gets you for your money and at the end denied us with no specific reason other than they felt uncomfortable moving forward and close our file, their communication to this loan still not clear for denying process of this loan. 
Please think again if you are considering mortgage they are the worst UNDERWRITING-DEPT to deal with to try to get a loan XXXX XXXX XXXX 
Sincerely, XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-03-05
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. (PA)

There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with TransUnion and 6 points with XXXX  if the debt is XXXX the score should go up not down. Instead of showing the XXXX  mortgage paid in full it is showing a closed account which is wrong it should show it paid off. Number two XXXX is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look XXXX has a complaint with you about this by my husband
Consumer complaint received 2024-02-02
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)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 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 XXXX
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (TN)

In XX/XX/2021, I paid Ginny  's the balance that I owed. I don't owe them anything now. But they are reporting to the credit bureaus that " I am still late. But paid balance. So I file a complaint but they refused to stop reporting that I am late.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

I have been a client of Honda financial since XX/XX/XXXX. During the month of XX/XX/XXXX, I was hospitalized and had to get emergency XXXX. When I got out of the hospital, I had to go to XXXX XXXX. Honda financial attempted to call me on an old phone number because they hadnt received my payment. On XX/XX/XXXX I contacted Honda financial and made the necessary payments to bring my account up to date. I informed them that the late payment was due to hospitalization. I explained to them that I have been a client of Honda financial since  XX/XX/XXXX and I have never made a late payment. I kindly asked if they could drop the 30 day lateness from my credit report, and if needed, I could provide documentation to support my claim. The representative told me that there was nothing they could do to drop the late payment.
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (CT)

I received a voicemail today ( XXXX/XXXX/XXXX ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from XXXX XXXX XXXX. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.
Consumer complaint received 2015-07-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (SC)

This has been going on for years, even after asking them to stop calling and telling them they have the wrong number they keep on calling. Whoever they are, they call me asking for my ex-wife. We have been divorced for years, but I do know that she has no debt like what these callers are describing, and with each call they say it is something different. One day they say it 's a payday loan, then a medical debt, then something else. Sometimes they just demand money from me, even though it 's not in my name and will not tell me what it is for. They say if it 's not paid I will go to jail, etc. They have called my grandparents and other relatives. Recently, all of these calls have been coming from XXXX, and they say they are Concord Resolutions.
Consumer complaint received 2020-07-07
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. (TX)

experian XXXX and XXXX showing inquires not known to me FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX
Consumer complaint received 2019-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have made several formal written request to Portfolio Recovery regarding two collection accounts that can not be validated. They are in the amounts of {$1200.00} and {$600.00}. the original creditors are XXXX XXXX and XXXXXXXX XXXX. My last dispute was in XXXX of 2018. They have not been able to provide me with any type of signed document from the original creditors showing that I owe this dept. This is required under the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Also they are still reporting every month to my credit report witch under the 611 ( 5 ) ( A ) states that if they cant provide me this information they must Promptly Delete It. I feel like unless I am going to take them to court, they can do whatever they want and theirs nothing more I can do. Please Help me with this,
Consumer complaint received 2019-08-11
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,  you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IN)

venmo has issued a new user agreement ( https : //venmo.com/legal/us-user-agreement/ ) the only way to opt out of arbitration is via printing and mailing a form ( https : //help.venmo.com/hc/en-us/articles/360062640153 ) this is a fully online company. this is an onerous burden designed to make it too difficult for people to retain their full legal rights for recompense against Venmo
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

When I tried to log in to Equifax to freeze my credit report ( after previously creating an account ) it told me that there was a general issue and I would need to call their support. 

I waited 45 minutes through their support system and reached a representative who was not able to freeze my credit report. I was instructed that the system was not working. I was directed to try logging in again, at which point it told my my account was locked. I had just reset the password so I am 100 % confident that the correct password was entered. 

The representative online told me however that my account was not locked. 

I was not able to freeze my credit report online or by contacting equifax support and am still unable to access my account.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXXXX/XX/year>
Consumer complaint received 2019-08-11
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: NAVY FEDERAL CREDIT UNION (CA)

I have applied and got approved for the NavyFed Flagship Rewards Credit card last XX/XX/2019. With the Promo of spending {$4000.00} within 90 days and earn 50,000 bonus points. Last XX/XX/2019 I  have completed the spend requirement of {$4000.00}. I have called last XX/XX/2019 @ XXXX & XX/XX/2019 @ XXXX spoke to XXXX and I was informed that I have met the spend requirement and my bonus will be on my account 6 to 8 weeks. I have also went to Navy Federal Branch in XXXX XXXX, XXXX XXXX CA last XX/XX/2019 and the banker checked my account and has confirmed that I have met my spend requirements and bonus will be on the account 6 to 8 weeks. I am also attaching a secure message last XX/XX/2019 from Navyfed which confirms that spend was met and bonus will be deposited 6 to 8 weeks. It has been 12 weeks since I met the spend and no bonus ( XXXX ) rewards points was deposited on my account as it was confirmed several times. I feel that the advertisement is misleading and I should get my entitlement of the ( XXXX ) points and or get compensated with additional bonus aside from the advertised.
Consumer complaint received 2019-08-11
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)

On XX/XX/2019 I disputed a bankruptcy reported on my credit file unlawfully and also without notification. Under the FCRA as a US citizen I have my rights to have this investigated properly. I received the verification letters back from the credit bureaus as the information reported on my credit file was reported correctly which is reported incorrectly after I caught the credit bureau within reporting inaccurately,
Consumer complaint received 2019-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  XXXXXXXX XXXX XXXX     All show inquiries that I did authorize nor solicit. Under fcra please remove immediately
Consumer complaint received 2022-04-27
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. (PA)

in accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX Auto Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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 2021-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to TransUnion and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates