davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I decided, after a few months of debate to cancel my American Express XXXX XXXX card. The {$650.00} fee seemed too high and the benefits had changed so I called and got an automated line and went through the steps to cancel the card and stop all recurring charges immediately, but when it said " you may or may not get any annual fee back '' I thought I should check with an agent before I finished. So on the SAME PHONE CALL I asked to be forwarded to a live agent. When the agent said I wouldn't get any of the annual fee back because it had been longer than XXXX  days I said I'd just keep the card till next XXXX. She said it had already been canceled and couldn't be undone -- this was on the same phone call. I complained that the warning about not getting the fee back wasn't until after I'd completed the other steps she said I'd gotten a letter XXXX months earlier where that was stated. I had read about the fee increase and benefit changes but didn't remember the fine print about the annual fee because I was undecided about cancelling it at that time. I've never known a credit card company to keep all of the annual fee after such a short time. The agent suggested I speak to another department to reinstate the card -- they said they couldn't, it was irreversible. I wrote a letter of complaint to customer service that same day XX/XX/XXXX. A week later I received a letter saying American Express was reviewing my " dispute ''. Around XX/XX/XXXX I spoke to an agent at the number in the letter and he told me American Express XXXX going to reinstate my card but it would take XXXX business days. I was out of the country until XX/XX/XXXX the but kept checking my account and saw recurring charges posting like all was normal, but my online account still said " closed '' I called as soon as I got home and an agent said yes there was a ticket about reinstating the account, but the account was still closed. When I pointed out there were multiple recurring charges on the account that were being accepted-even though I'd chosen on the automated line to stop all charges immediately -- he said that shouldn't be happening and I might have to put a " hard close '' on the account. I said I wanted the account reinstated or some of my money back he said only a supervisor could do that. He called back leaving a message that the closing was irreversible, and my annual fee couldn't be partially refunded because I was warned in writing months before. The automated system is irreversible when they want it to be, but not when I asked for it to be reversed. The warning about losing the entire {$650.00} annual fee should have been the first thing on the recorded line.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (OR)

Fees charged after my Wells Fargo loan was bought out. 
Fees charged in checking account monthly imo wasnt my fault for years until I noticed it. 
Checking account after Wells Fargo sold my loan to someone else happened. 
Years of checking account new fees that all was free before loan was with wellsfargo. 
I didnt authorize sale of my loan Morgage. 

Yes I asked for new checking acct fees to be reversed
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

On XX/XX/year> I was taken into police custody. I was released until XX/XX/year>. All the transactions between those dates were unauthorized. There were around 15 transactions made, totaling {$1500.00}. Some of the transactions were XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX ATM withdrawal XXXX XX/XX/XXXX ATM withdrawal XXXX XX/XX/XXXX Cash withdrawal XXXX This isnt all the transactions but some. I provided card company with police documentation stating that I was in custody. I even gave them the police report I filed once I was released.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-28
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. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2024-08-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DSR HOLDINGS GROUP, LLC (MO)

So, a company by the name of DSR has been reaching out for the last few weeks constantly on calls and texts. I never received any emails or letters in the mail from them, and now theyre calling family members constantly throughout the day and night. When they call they only say their name and that theyre calling from DSR. I called XXXX XXXX which is the company DSR stated they received my account from, and XXXX XXXX stated they never heard of DSR and that my account was sent to a XXXX XXXX XXXX back in XXXX.
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MI)

We purchased our home in XX/XX/2021 for {$310000.00}. We put 5 % down, so our loan was {$290000.00}. Our original loan servicer was XXXX XXXX XXXX. It was sold to XXXX XXXX approximately one year ago. Our home value is now approximately {$400000.00} based on appreciation alone. We have also done numerous upgrades to the interior and exterior of the property. We are very confident our home would appraise for well over {$400000.00}. We have had several phone conversations, several email conversations, and have sent two written mailed requests for Private Mortgage Insurance ( PMI ) ( $ XXXX ) removal, to which they have repeatedly denied, or ignored. We specifically have spoken to XXXX XXXX and XXXX XXXX at XXXX XXXX. It is my understanding that if we request the PMI removal, then they must order a Broker Price Opinion, or reappraisal to determine the current value of the property and if we are at the 75 % XXXX ratio for PMI removal. We believe they are not acting according to legal guidelines.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (CO)

I did not sign up for this card I was added as an authorized buyer and this was never done by me. Ive asked to be removed and they fail to do so. 
I want removed and removed from my credit report as
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: HUNTINGTON NATIONAL BANK, THE (CO)

In XX/XX/XXXX, I filed to have the PMI evaluated on my home due to significant upgrades. I followed the process that Huntington Bank 's PMI specialist informed me to follow. I submitted written paperwork documenting all upgrades, exceeding {$70000.00}, as well as payment for an appraisal. Huntington Bank says that I must use their appraiser in order to remove PMI, so I mailed a check for payment for the appraisal with the documented upgrade. I was told that once payment was received they would reach out to schedule the appraisal. In XX/XX/XXXX, the payment was received and cashed. I never received communication to schedule the appraisal. I called and emailed Huntington Bank countless times and left voicemails with their escrow department. The escrow department has never answered the phone and only returned XXXX phone call in the past 21 months, to which I was unable to answer at that exact time. In XX/XX/XXXX, I spoke with a customer service agent at Huntington Bank and informed them of the situation. They claimed they had fixed the issue, when in fact they simply began a new application with no information collected from me or given to me. They told me to expect a phone call within a few days. I never received a call. I received a letter in XX/XX/XXXX that my request to reevaluate the PMI was denied. I have continued to call and receive no information about why this is happening and only get transferred to the escrow department, which is never answered and messages never returned. I have followed all the guidelines provided by Huntington Bank, yet have not received communication from them for 21 months. They not only took my money and have not provided the service that I paid for, but they also increased my monthly payment with no notification or reasoning for the increase. It is to the point that I believe that they either no longer have an escrow department or that the department is either incompetent or fraudulent, both of which are terrifying by one of the biggest mortgage services in the country.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-04
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. (MD)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-19
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  XXXX : {$11000.00}
Consumer complaint received 2024-06-20
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Automotive Management Services, Inc. (NC)

Throughout my history with XXXX XXXX XXXX XXXX ( XXXX XXXX ) I have been manipulated, and humiliated. I have also had to deal with being bullied, harassment and verbal abuse so the fact that they now have stolen my car does not surprise me. 
On Monday XX/XX/XXXX, XXXX XXXX hired an unauthorized towing company, XXXX XXXX and XXXX XXXX. to unlawfully break into my private locked garage to repossess my XXXX XXXX XXXX. This alarmed me because I had been told by XXXX representatives that my loan was paid off and that I was paying late interest back, and my last payment was just made on XXXX XXXX. This encouraged me to take a look at my contract and receipts from XXXX XXXX. 
My contract with XXXX states that my last and finale payment with them should have been XXXX XXXX paying {$180.00} bi weekly, and the amount that I will have paid after I will have paid after I have made all payments as scheduled would be {$15000.00}, my contact also states that if payment is not received in full within 10 days after it is due, you will pay a late fee of {$15.00}. The late fee has always been applied to the account on the 11th day. 
With this information I contacted XXXX XXXX and spoke with XXXX XXXX, XXXX XXXX told me that my loan was not paid off because I had a 4 year loan and it was not suppose to be paid up until XX/XX/XXXX. I inform XXXX XXXX that my contract did not state that. XXXX XXXX then said that my car was repossessed because I was always late and that everyone in the office knew that I was always late. 
Looking at my receipts from XXXX XXXX I noticed that I never paid the {$180.00} XXXX XXXX stated in my contract I always paid more than what I was suppose to pay bi-weekly XXXX XXXX has committed fraud by taking my current balance and changing it to a past due balance to satisfy their allegations that my loan is not to be paid up til XXXX XXXX and telling me that the past due amount of {$4300.00} came from me being late all the time. 
As you can see on the receipts leading up to XXXX I was current, so that means all late fees that had been added to my account pior to has already taken care of. XXXX XXXX has repossessed my car off a fraudulent past due amount. According to my contract my XXXX XXXX  was rightfully mine. According to my receipts I have invested {$18000.00}, that's way more than my contract says I will pay.
Consumer complaint received 2024-06-04
Product: Credit 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: TD BANK US HOLDING COMPANY (MA)

All fraudulent activity occurred in NY and I am a MA resident. TD texted me a suspicious activity text and I confirmed Fraud had taken place on XX/XX/XXXX. All previous Statements within the last 3 months have been from MA. The card is still in my possession, I do not know how these in person transactions were made. I do not understand how these cash withdrawals or transactions of this amount could be approved without my identity being confirmed. I have filed a fraud dispute twice with TD in which they have denied my claim because the card is in my possession. 

XX/XX/XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX # XXXX {$110.00} XX/XX/XXXX XXXX XXXX {$16.00} Attached is one of the dispute claims as well as proof from my other credit card that I was in fact in MA at the time of these fraudulent NY transactions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a new complaint regarding the ongoing issues I am experiencing with TransUnion in relation to a fraudulent XXXXXXXX XXXX account ( Account Number : XXXX ) on my credit report. Despite my multiple attempts to resolve this matter, TransUnion has continued to respond with automated messages, failing to provide a meaningful resolution. 

Since my initial complaint, I have submitted the following documentation : Two forms of identification A copy of my Social Security card A police report ( Report Number : XXXX ) A Credit Identity Fraud Report through the government These documents have been sent as requested, yet the issue remains unresolved, and TransUnion has continued to send automated responses. This lack of proper action on their part is frustrating and has caused significant stress, as this fraudulent account is severely affecting my credit score, hindering my ability to secure housing and loans. 

Despite providing everything they asked for, including completing the necessary affidavit, the fraudulent XXXXXXXX XXXX account is still being reported as verified. In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am requesting immediate action to resolve this issue. If TransUnion can not provide original, signed documentation for the disputed account, they must remove it from my credit report. 

The delays and the inadequate responses from TransUnion have gone on for far too long. I ask for your help in ensuring this issue is resolved promptly and properly. Additionally, I would appreciate an updated credit report once the fraudulent account has been removed. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX