davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

AMEX has fraudulently failed to waive its annual fee for me, an XXXX XXXX XXXX, after promising no annual fee for all military members. Since then, AMEX has strung me along with 30-60 day " investigations '' into my XXXX status. 

I commissioned in the XXXX XXXX in XX/XX/XXXX. I entered full-time XXXX XXXX in XX/XX/XXXX. American Express represents that XXXX military members may obtain a Platinum card with no annual fee. Indicating my XXXX status, I applied for and received a Platinum card in XX/XX/XXXX. In XX/XX/XXXX, I noticed that AMEX had charged me a {$690.00} annual membership fee. Looking back, I found that they had charged me {$690.00} in XX/XX/XXXX as well. 

I began inquiring with AMEX regarding why I was twice charged an inapplicable fee, I received letters saying I was ineligible for " MLA '' and " SCRA '' benefits, and they assured me they would investigate, providing a window of 30-60 days for resolution. Multiple " investigations '' were conducted, each time after 30-60 days concluding that " after checking the DoD database, I was ineligible '' or not on XXXX XXXX. 

This process has continued throughout XXXX, each time AMEX assuring me that they are investigating and finding no information from the DoD. From XXXX XXXX, I have additionally provided AMEX both ( 1 ) my XXXX XXXX orders and ( 2 ) verification of my XXXX  status from the DoD Manpower Data Center XXXX On XX/XX/XXXX, after I provided that documentation, I was assured my case had been " elevated '' and that I would hear back in 10-14 days. After hearing nothing for nearly a month, I called AMEX on XX/XX/XXXX and was informed that there was no difference between a normal case and an " escalated case '' and that I would ( again ) hear back in 30-60 days. In the meantime, I was advised by AMEX to " tell my superiors to verify that I am on XXXX XXXX. ''
Consumer complaint received 2022-03-21
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. (WA)

Contacted XXXX via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, Division of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. XXXX did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent dispute letters to XXXX, Experian, and XXXX because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-01-24
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. (OH)

This is my fourth endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I PULLED MY CREDIT REPORT AND I ' NOTICED THAT I HAVE TWO OPEN ACCOUNTS THAT CONTAINS A FEW LATE PAYMENTS REPORTING ON MY XXXX  XXXX  ACCOUNT AND XXXX   ACCOUNT. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS EVER SINCE. I AM REQUESTING IF THERE CAN BE A GOODWILL ADJUSTMENT ON THOSE ACCOUNTS.
Consumer complaint received 2023-01-24
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. (NY)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account NAME : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # 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 604 A section 2 : its also states a consumer reporting agency can not furnish a Account without my written instruction 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 in inaccurate
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC (TX)

I received a lawsuit notice from XXXX XXXX about a debt to XXXX XXXX  XXXX, i had no dealing with this company so I requested proof of ownership of dept. to figure out what it was it turns out i was a victim of identity theft and there was a dept open under my name with XXXX XXXX  XXXX. After I requested the information about a month later i received a letter stating that i was no longer being sued. Since than things died down and I though it was over now come another lawsuit for the same debt i requested information multiple times certified mail and all and they refuse to provide me with any information they just keep pushing a lawsuit. I don't know what I should do i have court soon but these guys are refusing to provide me with any information
Consumer complaint received 2021-03-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Love, Beal & Nixon, P.C. (OK)

On XX/XX/XXXX, I received a letter from the law firm of Love, Beal, and Nixon, P.C. stating that I owe XXXX XXXX XXXX XXXX with the original creditor being XXXX XXXX, XXXX. The letter stated that I owe XXXX XXXX XXXX XXXX {$7600.00}, which is no longer valid. I listed this debt on my Chapter XXXX Bankruptcy on XX/XX/XXXX, and my Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX. I responded with a letter stating that this debt is no longer valid due to Chapter XXXX Bankruptcy and to contact my attorney XXXX XXXX. I received another on XX/XX/XXXX from Love, Beal, Nixon, P.C. stating the debt is valid and still trying to collect money for the debt. I called Love, Beal, Nixon, P.C. to tell them to stop contacting me. I spoke with a male account manager who was very rude and would over talk me. He kept stating that debt was valid because it is a student loan. I explained to him that it was a credit-based private student loan and NOT a federal student loan. The account manager said that he would contact my attorney. I feel like this debt collector is trying to take advantage of me and violating the Fair Credit Reporting Act. The credit-based private student loan even shows discharged from Chapter XXXX Bankruptcy on all three credit bureaus.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

Ally obtained a copy of the credit report without my consent. They claim they got the authorization from another lender. I have not authorize directly or indirectly my credit report be pulled to Ally.
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AR)

Venmo sent me XXXX for opening an account with the and I was trying to transfer the money to another debit card and I did not see the teeny tiny fine print stating that the rules on some financial institution that if rejected money is lost. Not refunded. I want my money back. XXXX XXXX. XXXX. Happened in XXXX
Consumer complaint received 2020-03-12
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. (OH)

I am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.
Consumer complaint received 2020-03-12
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. (OH)

I am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.
Consumer complaint received 2020-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/2020 I called the ( Refinance Department ) of my mortgage company ( Specialized Loan Servicing ) and after waiting for quite a while, I am told ( by recording ) to leave my name and number and they will call back in ( 24 ) hours. 
I waited the next day for the call and after not receiving a call-back from the mortgage Servicers at approximately ( XXXX XXXX  ) I called the customer service number and told them that if they could pass on information to ( whomever necessary ) that their Refinance Department was not answering or returning customers phone calls. 
So at approximately ( XXXX ) I receive an unidentifiable phone call with an area code [ XXXX ] and by chance redialed it back, and it was a representative from ( Specialized Loan Servicing ). I dialed him back at least ( 4 ) times and he never picked up the call. I left a message ( my name and number ) after the first call and stated that this is an unidentifiable number he called me on for the mortgage servicing company, and I had called ( 24 hours ) ago and needed him to call me back. He did not.

So after trying to get him back for approximately an hour, I called the Customer Service Line and was connected to someone in Arizona ( who appeared to not know what he was doing ) was stating to me that, that phone call from ( XXXX ) was not on his long. I stated to him what is it Im suppose to do, I have the persons number and message on my phone stating he is with ( Specialized Loan Servicing ) ; And asking me to wait another ( 24 ) hours. So that Arizona personnel stated ( aggressively ) that he was checking and had to check deeper into the matter while I hold on. And during the time of being on hold, he disconnected me from his line and sent the call to a vague recording. And I hung up.
Consumer complaint received 2020-03-12
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. (SC)

date opened XX/XX/XXXX XXXX XXXX XXXX I have filed a complaint with FTC XXXX and South Carolina Department of Consumer affairs. Ive sent paperwork and documentation to Equifax and haven't heard anything. They are ignoring me and this started XX/XX/XXXX and still heard nothing
Consumer complaint received 2023-01-24
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)

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 XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

I have disputed a few accounts with Experian. And the latest dispute, I sent them a letter with the following : This letter IS a formal procedural request for the method ( s ) used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this investigation. They did not provide the requested documentation as required.
Consumer complaint received 2023-01-24
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. (FL)

There is a hard inquiry made on all XXXX of my credit reports from XXXX on XX/XX/2022. I did not give this business permission to pull my credit and believe someone tried to open an account in my name. The credit bureau told me to file a fraud report with the FTC in order for them to remove it from my credit report since it decreased my XXXX XXXX.
Consumer complaint received 2023-01-24
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NO
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2021-03-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MD)

I am getting constant and repeated missed calls to my phone. in XX/XX/2021 I recieved 24 calls from this company around the XXXX o'clock XXXX hour. On XX/XX/2021 I recieved 9 calls around the XXXX hour. on XX/XX/2021I received 26 calls around the XXXX XXXX  hour, and 3 more around the XXXX hour. these calls came in and immediately dissconnected then recalled resulting in a stack of missed calls.
Consumer complaint received 2020-03-12
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. (OH)

I am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.
Consumer complaint received 2021-03-15
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. (NY)

I've sent requests of proof of this debt, contract information of who open account with no response. They have no contract or proof, XXXX XXXX has been adding payments on this account as well, false reporting of account activity. 

XXXX XXXX Date open : XX/XX/2014 Amount : {$15000.00} Past due : {$13000.00}
Consumer complaint received 2020-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I recently paid off my mortgage loan with Dovenmuehle Mortgage. It was paid off on XX/XX/2020. Although I called to cancel automatic drafts several days before payoff funded, they drafted a payment of {$910.00} on XX/XX/2020. I called them on XX/XX/2020, again on XX/XX/2020 and again today, XX/XX/2020. Each time they say they see loan was paid off, they see they owe me a refund, they have no idea why they havent mailed it yet ( told to me on XX/XX/2020 and XX/XX/2020 ) and that I can expect a check " any day ''. Today, i told them i was filing a complaint with CFPB. Hoping you can help them understand their need to follow basic laws. If I was a person who didnt understand my rights or that I had overpaid, I fear they would likely just keep the funds. These companies should not be allowed to hold money that is not rightfully theirs. Even more sad, my new loan was also placed with Dovenmuehle.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AA Recovery Solutions, Inc. (AK)

My mother received a phone call from someone claiming to work for : A'A Recovery Solutions. 
XXXX XXXX XXXX ) XXXX or ( XXXX ) XXXX He claimed I have an account called XXXX XXXX XXXX XXXX, and claimed there is a delinquent balance that has been sent to him for collection. 

I have spoken with customer support at XXXX XXXX XXXX and assured my accounts are all in good standing, they further reassured me that all collections on delinquent accounts are handled in house. 

I made a phone call to the number listed above, spoke with " XXXX '' and when he realized I was not going to give him and personal information he got combative and hung up. 

I have checked my credit reports and do not have any delinquent accounts or outstanding debts. This is an obvious phishing attempt and inappropriate use of my personal information.
Consumer complaint received 2023-01-24
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. (MI)

EXPERIAN responded to complaint XXXX regarding obtaining and sharing my information. EXPERIAN did not and does not have my express written consent to even begin to obtain any of my information, let alone share it. 

EXPERIAN shall provide documentary evidence of consent I have given to them or permissible purpose to obtain or share any consumer information regarding myself. 

EXPERIAN shall provide documentary evidence of consent I have given to XXXX XXXX  to furnish any consumer information regarding myself to EXPERIAN.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I have been paying for a service for a music festival that was suppose to start on XX/XX/XXXX and ending XX/XX/XXXX. My payment dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - each payment was drafted from my Chase debit card/bank account for XXXX for a total of XXXX. Upon receiving an email from the merchant that the event was cancelled roughly 24 hours before my flight ( XX/XX/XXXX ), I immediately tried to reach out to the merchant and the customer service line was disconnected. Unable reach also via email or social media. I reached out to Chase bank and filed a claim. was given a provisional credit for XXXX which is not even half of my charges. I never received services and the merchant has STIL not reached out to the thousands affected. I just want my complete debited reimbursed since services were never rendered. My trip was ruined. I have all the proof from both the hotel that they never received payment ( there on breech lf the contractual obligation ) and from XXXXXXXX XXXX XXXX XXXX XXXX ( the merchant/ promotor )
Consumer complaint received 2023-01-24
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. (FL)

There is a hard inquiry made on all XXXX of my credit reports from XXXX on XX/XX/2022. I did not give this business permission to pull my credit and believe someone tried to open an account in my name. The credit bureau told me to file a fraud report with the FTC in order for them to remove it from my credit report since it decreased my credit score.