davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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)

Below is a list of credit inquiries I DID NOT authorize. I called all three major credit bureaus XXXX, Experian, and XXXX ) which stated that they would remove them but they remain unto this day. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 we filed a claim for {$60000.00}. It involved an XXXX XXXX XXXX man who obviously had very limited banking knowledge and he did not know how to complete the forms to withdraw that large sum of money. He was assisted by two Bank of Americas 16 miles apart to withdrawal {$30000.00} from each bank. One of the transactions included a {$20000.00} cashier check. Those withdraws were done on the same day and they were extremely irregular activities. We received a reply to a claim with someone else 's account number and claim date on it and it denied the claim because it stated someone reported a false forgery. Forgery was never reported in our claim. We believe Bank of America sent us information about someone else 's claim and never did an investigation on our claim. They are unwilling to give us an explanation or any information on why we never received an answer to our claim or why we received a letter with incorrect information on it. We spent months trying to find out how we would get the money back from the cashier check, but everyone we talked to did not seem to know a cashier check was involved in the claim. We suspect things were not handled correctly the day the incident was reported and our claim was never investigated. ( I ATTACHED A DOCUMENT FOR CFPB TO READ- PLEASE READ )
Consumer complaint received 2021-11-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge Pite, LLP (NV)

On Wednesday XX/XX/2021 approximately XXXX an alleged process server XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX [ XXXX ] appeared on the private grounds domicile that of Diplomat ; XXXX XXXX XXXX XXXX. He was demanding to see the likes of a all caps incorporation which he was told did not exist. 

He then went on line on his tablet and showed the cohort of ; XXXX XXXX XXXX a name registered with the County of Clark. He was informed that, that all caps name you pulled up is an Estate Trust, there is no woman or person by that name. As such he the process server was directed to go to the State Dept. of NV and do a search for the PPEHTrust whereas he could find the Estate Trust as proof that was not a person nor a woman but an Estate Trust. 

He did not wear a mask, nor gloves and appeared to be either tired or other. The man XXXX ; XXXX XXXX XXXX attempted to see the documents to see and verify if he was at the correct location looking for the right person, the man said he could not see the document. XXXX XXXX XXXX XXXX then asked him if he had a warrant and he said no, just a court document from XXXX XXXX CA signed by a Judge but no name of the judge was given. 

The man did not produce a warrant and proceeded to attempt to serve documents while he was standing in front of a Trespassing sign posted on the front door. He has breached the peace in his attempt to serve a none existing being corporation all caps straw without proper information or evidence that he had the correct address. 

This man working for a process serving company on behalf of Aldridge Pite , LLP in pursuance of some alleged property was discovered by camera. The grounds on the XXXX has multiple camera angles with strong zooming abilities. Once the XXXX XXXX XXXX XXXX was able to gain access to the property cameras. 

What was discovered was that the all caps incorporation name was XXXX XXXX XXXX with two listed addresses and DMV records from Texas and North Carolina. Please see the photo attached herein. 

When in fact the MRH or XXXX XXXX XXXX XXXX XXXX is not a person listed in XXXX XXXX Record of Deeds and with the State Dept of US and NV. This was told to the process server whom refused to leave the documents but such was copied caught on property domicile cameras. 

The Courts in XXXX XXXX CA does not possess any form of Jurisdiction due to the laws of this land which is the Constitution and Treaties thereof therein. The attempt to claim private paid for in full property was an attempt to scare place fear and move emotions to gain access to private property. 

Now XXXX XXXX XXXX is claiming to be the XXXX title owner or debt collector with a Judges signature on a document they will not serve the Claimant herein known as XXXX XXXX XXXX XXXX as the property is within the XXXX XXXX XXXX.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  in accordance with the Fair Credit Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX Experian is reporting late payments with XXXX XXXX XXXX  XXXX experian did not properly verify this account. I'm requesting Experian to remove late
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (RI)

I have lived in my home for the past XXXX years. I am divorced and have remained in the home with my children. I plan to continue to live in this house with my children. My divorce was in XXXX and the mortgage is still in his name. I was supposed to refinance but because of the divorce had some financial struggles and had to declare bankruptcy. Because my ex and I are on good terms this hasn't been an issue. I have paid the mortgage monthly. Until COVID 19 happened. At that time my business shut down. I made no money. My mortgage was being serviced through XXXX at the time of the the initial global shut down-XX/XX/XXXX. They were super nice and we spoke monthly about my financial situation. My mortgage was then sold to Selene Finance and when that happened everything changed. They would no longer speak to me ... because I was not listed on the mortgage... even though I was approved with XXXX to speak on behalf of the mortgage. My ex-husband emailed them XXXX times and we never would hear anything from them. When we would reach back out they would say that they never got any such notice from him. When my financial situation changed, which it now has, Selene wouldn't take money from me. They returned money orders sent to them and will not allow me to discuss a payment plan, even though I live in the home and am the one who pays the mortgage every month. 
My financial situation has improved and I am now able to make my payments, but they wont take my money and will only consider any sort of payment plan if it's applied for by my ex-husband. He is not the one having the financial hardship though, I am. So, my only option right now is to pay the entire amount of the last year 's mortgage at once... which I can't do. Why can't they work out a payment plan with me and use my financial information as the basis for the hardship. They will see that I am now in a situation to pay going forward... I just can't come up with XXXX in a week!!!
Consumer complaint received 2021-11-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

This debt is inaccurate it was a balance transfer. They promised me zero percent for 18 months they started charging interest after 6 month. I tried to dispute the amounts that where charged and incomplete. This was with penfed credit union now this company XXXX XXXX is taking me to court. I have never had any agreement with this company and now they are in the process of taking me to court. They have no right into this because the account agreement was between me and penfed and there offer was 18 months not six.
Consumer complaint received 2021-11-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (AZ)

XXXX XXXX made several false and misrepresenting information. Stated once I pay the debt it would be marked as paid and closed and after about 30 days would be marked for deletion. However, this is not correct. They also say once they update it, it's up to the credit reporting agency to update it. After reaching out to several of them via XXXX and CFPB, it was clearly noted that once the data is received it is immediately processed and updated. Please refer to the complaint XXXX which clearly stated such from XXXX, XXXX, and XXXX. Also, I am providing a copy to show that not only did they lie and be deceptive, they intentionally did so.
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for American Express XXXX XXXX card in XX/XX/2021. The welcome offer was XXXX  XXXX points if I spend XXXX dollars in the first three months. I finished this task but I did not receive the points. 

1. In late XX/XX/2021, I called American Express asking them to start an investigation. They said they had told me I was not eligible for the welcome offer when I opened the account. BUT IT'S NOT TRUE. I was NEVER told I was not eligible when I submitted my application. I requested them to provide any proof to support their reasonings, and they have not been able to do so. 

2. I asked them why I was not eligible, and they told me because I had already got an American Express Gold card. They also said the current terms stay the same that if you are a current customer, they can not provide the rewards points. IT'S NOT TRUE EITHER. The current terms say you are not eligible if and only if you hold the exactly same card ( In this case, the Amex XXXX XXXX card ) in the past. I never hold an Amex XXXX XXXX card before. 

3. I called Amex again in XXXX and filed a new request for investigation, and the case # is XXXX
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/2022 I was induced into transferring money to a XXXX account ( first transaction {$350.00}, second transaction {$500.00} - Total {$850.00} ). I was scammed by a member of XXXX named XXXX XXXX ( email associated with XXXX account : XXXX ). We primarily communicated on XXXX, where he used the name XXXX XXXX ( XXXX XXXX XXXX  ). I buy and sell things that I no longer need on XXXX XXXX, and he asked if he could send the payment through XXXX. I said yes, but then I began to receive fraudulent emails from XXXX asking me to send more money in order to " upgrade my XXXX  account into a business account. '' I did so at first and unfortunately sent two XXXX payments -- {$350.00} & {$500.00} -- before catching on. I have filed a formal dispute with XXXX through USAA but after waiting ten business days and asking for an update, I was essentially told that they can not do anything about the lost funds because XXXX is a third party transfer service. When I spoke to a representative at XXXX to assist me, they told me to call my bank because they ALSO can not fix the issue. Although the two transactions were authorized, I was induced into transferring the money, which I believe is covered in Regulation E in the Electronic Fund Transfer Act.
Consumer complaint received 2022-07-18
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. (TX)

I requested information that was being reported to my credit report on XX/XX/XXXX. XX/XX/XXXX I sent out another letter requesting an update. It is XX/XX/XXXX and i have yet to receive an response on requested information.
Consumer complaint received 2021-12-02
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 are the items showing on my credit report that are not belong to me.Im doing this complain to clear fraudulent accounts on my credit report. 

XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$9100.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00}
Consumer complaint received 2021-11-25
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: Resurgent Capital Services L.P. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

I've attempted to contact Aidvantage multiple times, but have not received a single response to my messages through their website and haven't even had a customer support agent answer my phone calls after being on hold for more than an hour. Their website lacks so much functionality that I can't even see the outgoing messages I've sent to them. It should be illegal for Aidvantage to understaff their customer support team by this much as to make it seemingly impossible to get a response to simple questions and requests. It only takes a quick XXXX search to find thousands of similar complaints posted online. There are so many reports of people that have contacted Aidvantage and received wrong information, including being put in the incorrect income driven repayment plans and having payments applied incorrectly. I have zero faith in Aidvantage to service my XXXX XXXX accurately. I don't know why Aidvantage was allowed to take over XXXX 's portfolio of student loans, because I never had any of these issues with XXXX. Aidvantage needs to be legally required to answer their customers questions quickly and accurately, and if they aren't able to do that they shouldn't be able to service these loans and the loans should be forgiven.
Consumer complaint received 2023-10-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ND)

I have a gift card for XXXX and can not use it at seemingly any online retailer. This includes retailers that accept AmEx cards. Every time I try to use it the card is declined by the bank.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX -XXXX-Balance {$1400.00} XXXX XXXX-XXXX-Balance {$1200.00}
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (LA)

I looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit reporting act XXXX XXXXXXXX system violated my rights under credit fair act on XX/XX/2019. I mailed them supporting documents that the information that was reported was inaccurate 15 U.S.C 1681 section 602. A. States. I have the right to privacy.

15 U.S.C 1681 section 604.. a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-11-07
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. (NY)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off - XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late 120 Days- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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