davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (TX)

Was charged for my American Express Platinum Business card {$450.00} for annual fee on XXXX/XXXX/2016. On XXXX/XXXX/2016 was card was cancelled by American Express. on XXXX/XXXX/2016 I called to see how to get the {$450.00} refunded since card was cancelled. Was told it would be credited back by the next business cycle. I now have been turned over to a collection agency for the {$450.00} plus XXXX late charges {$38.00} each. I have tried to dispute charges with collection agency however they stated they only take money and I would have to take up the issue with American Express. I have contacted American Express and get the run around and never get an answer. Yesterday, XXXX/XXXX/2016 I spoke to customer service and they stated another department cancelled the card therefore and they have no way of reversing the charge and am out of luck. 

I should not have to pay for the entire annual fee when I only received 11 days of the card benefit. Plus I was told that I would be credited back the fee on XXXX/XXXX/2016.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CO)

During late XXXX through XXXX until XXXX I was making payments... the system kept saying my bank was rejecting the payments but yet most showed on my bank statement ... my bank also said they never rejected my payments to the credit card ( issued by fortiva )... so all my payments were reversed ... I called them and told them what was happening but never received a return phone call from management ... I finally made a payment to close the account over the phone with an agent in XX/XX/XXXX thus paying off the card and the account was closed ... in XX/XX/XXXX I get a text message from them saying I owe them. I called the company and the agent mumbling barely understandable said I owed {$400.00} for reversed payments that happened in XXXX. I did not have an account opened at that time and I had already had a phone agreement saying I was completely paid off ... now over a year later this comes back up. I told them several times there computer system was screwed up and it needs to be fixed and checked. Apparently they paid no attention to this issue as it comes up again. There are many bad reviews about this company ( Fortiva ) and the way their app works... I believe they also have fake in company personel creating positive reviews. To say finally I paid off this card completely!!!
Consumer complaint received 2023-07-06
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

Last year, I opened a checking account online with a bonus coupon through Chase website. I was successful at opening the account and Chase mails me the debit card to the account. Chase closes the account without notice. 

I go to their branch to see what the issue was. The personal banker told me that they couldn't reopen the account back, but I could open a new checking account. Here is the issue, their system would not allow the personal banker put in the {$220.00} bonus coupon for opening a Chase Total Checking account and setting up direct deposit even though I never received it initially because Chase closed my first account. 

I tried contacting Chase to solve this issue, but they were not able to help me.
Consumer complaint received 2023-07-06
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. (IL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I already submitted one CFPB complaint, which was marked as completed by the company but not resolved. I'm confused how this happened. I am still trying to delete my credit freeze, I emailed my documents to XXXX over a month ago and continue to call in, but nothing happens. My case number is XXXX. I have attached all required documents to this complaint in addition to mailing them and emailing them, and will continue to call. Please delete my credit freeze.
Consumer complaint received 2020-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying for years to get resolution with XXXX XXXX  and XXXX XXXX XXXX, as well as XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Pass Through Certificates XXXX. 

This mortgage was settled and paid XX/XX/2012. It was liquidated, charged off, paid off with Federal Relief Funds and all Investors were notified. 

The mortgage was included in Federal Court Case against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

After I settled my case against XXXX  XXXX XXXX and the Judge ruled in my favor, XXXX  XXXX XXXX washed their hands of my mortgage and liquidated it. Then Select Portfolio Servicing assigned the themselves the servicing rights for a mortgage that has been paid off with Federal Relief Funds.

When I inquire about granting me a Full Reconvyence to SPS, they tell me that the Investor and Owner of the Account is XXXX XXXX XXXX. When I inquire through the Consumer Financial Protection Agency, XXXX XXXX XXXX  replies to my complaint with ; " We are not associated with this account ''. 

Now XXXX XXXX XXXX has written to SPS and hopefully agrees that a quick claim deed or Full Reconvyence will be granted. MIN # XXXX. APN # XXXX. 

I would like to put this behind me and move on with my life. 

XXXX XXXX
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

in an nutshell i am a victim of identity theft, i am in the process of fighting back against the terror that i have been plagued with. Bank of America, where my Business bank account was opened at had been compromised, after a long and through investigation, I have deducted that whoever hacked and stolen my personal information was able to compromise all of accounts, since i started the business in XX/XX/XXXX, i have reported this to the IRS. via affidavit. the transactions are consistent in high dollar amounts. They finally ended when the account ended and closed.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/year> i disputed the below item with Transuion and investigation was conducted and on XX/XX/year> transunion deleted/removed from my report i have the proof attached to prove it directly from transunion. today i reviewed my credit report and the account was re reported on my credit report. this is a violation of my fcra rights Remove this account from my report immediately.
Consumer complaint received 2022-10-17
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. (MN)

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the disputed fraudulent accounts and information from my Credit File. It appears that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit reporting Agencies are required by law to remove any items which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need you to please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the Credit Bureaus claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or proof of ownership. In the event the Credit Bureaus can not prove that the disputed items belong to me, kindly remove these items completely from my Credit File.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MN)

Due to financial hardship, I requested a refund of the payments I made during the Covid Emergency. I made payments every month, without fail, from the start of the pandemic through XX/XX/2022. It was late XX/XX/2022 I requested a refund. I have called frequently, even asking to speak with a supervisor, a request that was denied. It has now been 7 weeks. I call weekly and the process is still as opaque as it was at the start. I have creditors asking for timeline of payments to which I cant provide. I cant use my credit card to pay for school lunches or mortgage payments. 


Please help.
Consumer complaint received 2022-10-17
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

Diversified Adjustments never contacted me prior to placing negative information on my credit report which is a violation of federal law. When I called them to dispute they acted in an unprofessional manner and told me to dispute with credit agencies. I asked for written proof that this debt belongs to me and instead hung on on me. Attempting to illegally collect a debt that is not owed specifically XXXX XXXX XXXX is illegal. My evidence clearly shows they are violating the law and never gave me the right to dispute nor did they have any accurate proof of their claim. This is a violation of FDCPA as well as a violation of FACTACT. I just got this deleted with XXXX XXXX XXXX and in less than 1 week diversified adjustments placed this on my credit report without giving me proof that this debt is mine or giving me a chance to dispute.
Consumer complaint received 2018-02-23
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. (MO)

Today XX/XX/2018 I just received an e-mail alert from XXXX XXXX and XXXX XXXX stating that an credit inquiry has just been made on my report, these inquiries definately are unauthorized
Consumer complaint received 2022-12-14
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. (NC)

In accordance with the FAIR CREDIT REPORTING ACT, the following accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. 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 consent.

15 USC 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 information, other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15USC 1681i ( 7 ) A consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

What kind of investigation was completed?

15 USC 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

No authorization to collect to attempt to collect on the account and the account continues to negatively impact me. Please strike and remove this account from all credit bureaus immediately due to information being reported incorrectly and without all proper validation.

15 USC 1681e ( b ) ( b ) Maximum Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2016-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Eagle Home Mortgage, LLC (FL)

We recently used Universal American Mortgage Company ( UAMC ) that is owned by the builder XXXX. It was overall a poor experience, however we had XXXX issues that were concerning and unethical. The first issue was misrepresentation by the loan officer XXXX XXXX. When she pulled our credit for the loan she told us that my credit score had gone down and we would have a higher interest rate and MIP. This was incorrect - no credit score had gone down, XXXX of the credit reporting bureaus was not reporting and they would have to use a lower score. This resulted in a significantly higher monthly payment than previously estimated. 
The second issue was with the loan processor - XXXX XXXX, who is used by UAMC to process their loan appliactions. They required my husband to call the credit card company and required him to disclose his full credit card number and the answers to the security questions with the loan processor on the phone. If he did not disclose this information then they threatened to deny our loan. 
The final issue was that UAMCXXXX pulled my husband 's credit without authorization. When the issue was resolved with my credit regarding the credit bureau that was not reporting a credit score, it was agreed with the loan officer 's supervisor XXXX XXXX that they would pull my credit score. It was very clear that only my credit would be pulled and not my husband 's. UAMCXXXX pulled both my credit and my husband 's credit. When we found out that his credit had been pulled by XXXX XXXX we contacted UAMC immediately and they would do nothing to resolve the issue. My husband attempted to dispute the unauthorized credit pull by XXXX XXXX, but they would not remove the unauthorized credit pull from his credit report.
Consumer complaint received 2023-06-29
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. (IL)

Around XX/XX/XXXX I sent out a letter to XXXX over several inquiries that were either fraudulent or incorrect to date XXXX has removed some inquiries but have failed to remove all inquiries listed in dispute without informing me why some would be removed and not others. XXXX has failed to let me know what Data furnishers they have contacted and what companies they reached out to to validate these inquiries. I have a fraud alert on my credit file so these inquiries should have never been placed on my credit file because I never verified my identity with any body that would result in a hard pull on my report. Companies include : XXXX XXXX XXXX - XXXX, XXXX XXXX/XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX has not yet removed any of the fraudulent/inaccurate items or responded to my dispute as of yet. Disputed inquiries for XXXX include : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX. TransUnion has not responded or deleted several disputed fraudulent/inaccurate inquiries as well. TransUnion inquiries include : XXXX XXXX  - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, 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 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

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 inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022