davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Annual fee charged after AMEX representative promised refund. American Express charged my card an annual fee on XXXX XXXX, 2017. I called them on XXXX XXXX, 2017 at XXXX to cancel the card, within their grace period for refund on cancellation. When I spoke to the representative I requested to cancel my card and requested refund for the annual fee. During the call the representative suggested I leave the card open due to a pending trip booked using the companion certificate issued by AMEX and Delta Airlines. The representative said their refund policy is lenient and suggested I call back after the trip. On the call I confirmed annual fee would be refunded if I called after the trip at XX/XX/XXXX. When I called after the trip to request a refund I was told they needed to review the original call before they honor the refund. I was told a manger would review the call and contact me within a week, I did n't not receive a call. In the mean time I was charged interest and late fees. I called back 3 times after and got the same response, " a manager will review the call and get back to you within a week ''. On XXXX XXXX, 2017, I was told there is no record of my call. I was able to review my phone records and pinpoint the date of the original call on XXXX XXXX, 2017. I would have cancelled on XX/XX/XXXX for a full refund if not suggested by the representative. Since the call was recorded for minoring and training purpose they should be able to review the call. Especially since in my subsequent call I was told a manger will review the call and contact me. But after many attempts I have n't received a call back. I ended up paying the interest and annual fee to avoid further interest and late charges. I believe if an agent of the company suggested to delay the cancellation and will be refunded later, the company should honor word of their agent. I will create a page on XXXX to make other consumers aware of their action. I hope CFPB is able to request AMEX to review the call and listen to the conversation and honor the what was discussed.
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (LA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-04-05
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. (AL)

On XX/XX/XXXX, I reviewed my credit report and the account XXXX, in which was closed on XX/XX/XXXX. I have been repeatedly disputing this account with Transunion since XXXX of XXXX. I have been disputing this account, due to identity theft on many different occasions. This account was removed in XX/XX/XXXX, however was added back on there. Now, the account is closed, however it is reporting has a negattive account, in which is decreasing my score. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D.
Consumer complaint received 2022-04-05
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. (CA)

In accordance to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-18
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

ZELLE. 
I used this via the XXXX XXXX App to supposedly pay for an engine ; i never received it due to the " company '' was a scam. Then the scammer used zelle to obtain {$850.00} twice and {$970.00}. I caught the second two transactions BEFORE they were processed and called XXXX XXXX requesting that they stop those transaction due to them being scam and was told that they couldnt stop it due to the money going through ZELLE. 
I have filed a dispute 2 times via XXXX XXXX, once as a fraud case, then as per the Zelle represented as a scam case. 
XXXX XXXX stated that the case was declined for repayment, even though XXXX admitted that it was certainly a scam ; and gave me Zelles phone number. 
I have tried multiple times to reach out to Zelle today to dispute this but can not reach a representative!!!! 
This is a travesty on how they conduct business. Basically XXXX XXXX states that Zelle will not repay my money, and I can not reach them, ( ZELLE ) thus they have aided the theives in fraudulently taking my money!!!!

I reached out to the company that I received a receipt from ; they told me that 3 other customers had called them that day with the same complaint. And MANY others had over the previous two weeks prior to my call.

This is a apparent scam to everyone except those that make the decision to refund the money!!! 
I have included a copy of the scammers receipt
Consumer complaint received 2018-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA,XXXX reported XX/XX/2018 THIS IS NOT MY ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY. XXXX and XXXX   have removed this account. I have called Equifax and they keep taking the dispute by phone then when i call give them the confirmation number they say it does not exist but give me another one with same number as previous one. I have put it in writing no response it is impossible to use the Equifax online portal they have so many flaws and they are not handling my report responsibly i would like for the item mentioned above removed thank you hope you can help
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Management Solutions, LLC (GA)

I am a natural person, creditor, and consumer stating from 15 USC 1692a ( 3 ). I'm reporting Identify theft under 15 USC 1681c-2 blocking information resulting from identify theft. I have never given written permission to XXXX XXXX XXXX to share my information with FMS Solutions. In violation to 5 USC 552a No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I've attached numerous violations from the contract they gave me along with the revocation of my signature from that contract.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (TX)

Hello, my name is XXXX XXXX and I had an account with Wells Fargo Bank at the XXXX and XXXX XXXX.I paid my balance of {$9.00} and closed off the account.Then I went over to XXXX XXXX to open another account, and was informed that my new checking account could not be opened for free because Wells Fargo claimed that I still owed them money.Now that is impossible because I had paid my balance in full to the teller, and then requested to see a banking official so that I may close off the account and which he did and was told that I was free and clear.Can you help me with this problem, because I do not want them to be able to hinder me in the future.Thank you for any and all consideration in this matter.
Consumer complaint received 2017-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Skopos Financial, LLC (TX)

We purchased a used car from XXXX in XXXX Texas in XX/XX/XXXX. The car value was at {$23000.00} The interest rate was high but due to credit we accepted with the understanding that we could refinance in a year. Skopos Financial informed us that they do not refinance and that if we would go to an outside company we would have to get finance for the value of the car and their interest rate. The car was reposed in XX/XX/XXXX due to non payment because they were not willing to lower the rate, refinance nor allow us to refinance with another financial instate. A company should not be allowed to set the interest rate the same as the value of the purchase. The car depreciated and yet we still owe them {$23000.00}
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/22, I sent Trans Union a dispute regarding personal information they are furnishing that is not accurate. Trans Union is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information. I have notified Trans Union that they are preparing consumer reports concerning me with inaccurate names and addresses, and that they were reporting an account from an alleged debt collector that I have never done business with and do not have a contract with. Trans Union only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Trans Union did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Trans Union is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Trans Union regarding my dispute. I did not give Trans Union permission to furnish this information in any consumer file or consumer report concerning me. I also requested full disclosure of the consumer file concerning me in Trans Union 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. I provided Trans Union with a copy of my ID and a current bill showing my address.
Consumer complaint received 2022-04-05
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-01-28
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. (NC)

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  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2021-07-17
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: EQUIFAX, INC. (MI)

I submitted an FTC report and I haven't got a response back from the major bureau. I am a victim of Equifax data breech this is fraud on my account. I never agreed to having these credit cards on my account, I am very upset.
Consumer complaint received 2018-07-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MI)

I receive numerous calls from Navient ( for Sallie Mae loan ), the latest of which was today -- XX/XX/XXXX. I have NEVER had a student loan. A couple of years ago, I contacted them after they meade several calls to me and told them to remove my number -- I was not the person whom they were seeking. 

I have started to get the calls again, this time for a different person. I spoke with someone and they said they would fix it but they have or will not fix the problem. 

CallerID number : XXXX Number for contacting them : XXXX.
Consumer complaint received 2022-04-05
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-08-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (IN)

My mortgage loan is serviced by Selene Finance and the investor is XXXX XXXX. I was previously discharged in a chapter XXXX bankruptcy, but Selene Finance kept aggressively collecting payments on my mortgage loan. Selene Finance finally offered me a trial loan modification in XX/XX/XXXX and the payments were {$770.00} per month. Selene Finance advised after the three month trial plan that a permanent loan modification would be completed. However, they continued to collect trial payments until XX/XX/XXXX and then advised that the loan modification was denied. Selene Finance has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Persection 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or  inducement in any post-petition communication. Selene has also violated the Federal Bankruptcy  codeby proposing a forbearance agreement on the discharged debt. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violationof the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. No. XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XX/XX/XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No. XXXX, XXXX. # XXXX ( XXXX. S.D. Ohio XXXX ). Selene Finance is in clear violation of CFPB mortgage servicing rules as well, since they have refusedto complete underwriting on complete loan modification packages submitted. Selene has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by Selene Finance on a number of counts and I am seeking your assistance on this matter.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In XX/XX/XXXX I entered into an agreement with XXXX XXXXXXXX auto  on a vehicle lease. I completed the loan agreement in XX/XX/XXXX. I always made on time payments and they were in fact on auto-pay. I recently checked my credit report back in XXXX and i noticed that TransUnion had completely jacked up my Auto Payments with XXXX  XXXX. There were messed up and inaccurate which really caused my credit score to drop. I had no clue that they were reporting me late, and why i was getting denied credit applications a few years back. I immediately sent them some mail telling them that the late payments were a mistake but they ignored me. I don't understand how a company can repot inaccurate information, and hurt my ability to obtain credit without any repercussions. This is clearly a violation and a billing error/mistake on TransUnion part, but they refuse to remove the late payments, or even acknowledge my request for accuracy. And even worse they were reporting these inaccuracies over the Covid-19 Pandemic.
Consumer complaint received 2022-04-05
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-07-18
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. (NY)

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XXXX XX/XX/2020 EQUIFAX  - XXXX XXXX XX/XX/2020 XXXX  - XXXX  XXXX XXXX  XXXX  XX/XX/2020 In addition, there is a duplicate inquiry from XXXX XXXX XXXX XXXX on XX/XX/2020 listed on my XXXX  credit report.
Consumer complaint received 2017-09-01
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. (LA)

I have been dealing with the credit bureaus in regards to an item that was reinserted onto my credit reports. I have disputed based on the FCRA Section 611 in regarded to previously deleted material. It states that the consumer reporting agency is to provide notice within 5 business days of reinsertion. I was not given notification in regards to XXXX XXXX which was removed in XX/XX/XXXX and reinserted in XX/XX/XXXX. I have sent items showing that the items were in fact in dispute in XX/XX/XXXX and removed in XX/XX/XXXX as well. Even with the proof, I 'm getting no results. I was even notified by a TransUnion agent and supervisor on XX/XX/XXXX that the credit reporting agency is not required to give notice. They then advised me to call back tomorrow to speak to the US special handling department because they were gone for the evening at that point. When I finally spoke with a supervisor from the special handling department, I was advised that they did not show the item disputed. I then faxed them the information from XXXX XXXX, which is run by Trans Union, that showed the information was in fact disputed and removed.
Consumer complaint received 2021-08-09
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)

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2020-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

The collection agency is Transworld Systems Inc. and The Ref. No. is XXXX. 
The apartment management at XXXX XXXX XXXX. in XXXX, XXXX was given notice of my intention to move out in 14 days back in XX/XX/2019 with lease ending XX/XX/2019. On and off for over 3 years rats would infest the attic of my studio apartment. Traps would catch some and at times the maintenance would pull out a foul smelling dead rat. The dried fecal matter would get in the air of the living space. The actual opening for the rats entering was never closed. I moved out at end of XX/XX/2019. 
I have provided letters and calls to TSI inc. I have been threatened with lawsuit and damage to my credit. The rent was {$940.00} and added on was late charges and expenses. 
The environment was not safe for living due to disease carrying particles left behind by the rats and continued infestation. Total debt efforts has been about {$2500.00}. 
I wrote a letter formalizing my dispute of the debt and if it should be turned over to others or the bureau, it is under dispute. I have received via mail a print-out for debt and charges I dispute.