davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (KY)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Aargon Agency Inc has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623
Consumer complaint received 2017-06-27
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. (CA)

see attachments for details.This complaint against the credit bureaus refers to a direct CFPB COMPLAINT XXXX against the furnisher XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Received a letter in the mail from Midland Credit Management claiming I owed {$5800.00}. The original creditor is listed as " XXXX XXXX XXXX XXXX '' despite the fact that I 've never had an account or any sort of contact with said bank. On top of that, the charge-off date is listed as XX/XX/XXXX even though I did n't have any sort of credit account until XX/XX/XXXX. The claims are completely bogus as far as I know and have no merit to them.
Consumer complaint received 2017-06-28
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 (MN)

I received a letter from American Express Blue Sky award card on XXXX XXXX, 2017 saying my FICO score was low and I had serious delinquency on more than one account. There also was minimal activity on my account, which is true. I asked if I could reinstate the card and they took information from me and sent another denial letter. I called to redeem my points, and they asked me questions that were supposedly public record such as my drivers license, height, and the last card I had leased and they said I answered the questions incorrect and it locked up their system. They told me to call back at XXXX and they would assist me again and the system did it again. Now they want me to call back in 24 hours and they will try again. Not sure where they are pulling my information from public record, but I know exactly how tall I am and my drivers license number. I tried talking to someone in the fraud department and they just blew me off and said I had to solve this with the rewards department. What do I have to do to prove to them who I am?
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

In XX/XX/XXXX I received via email from AMEX a promotional offer to upgrade my Gold Card to a Platinum Card. The deal was that if I spent {$5000.00} over the next 3 months I would receive XXXX reward points. I followed the link in said email, applied for the upgrade, was accepted and received my Platinum card sometime in XX/XX/XXXX. Despite having met the {$5000.00} commitment and then some I never received the point reward. I have contacted AMEX on at least 3 separate occasions. The inquiry is made by the representative I speak to and I am advised that I will receive notice of their decision via mail, email or a phonecall. Not once have I been contacted. Each time I have to call them again to find out what has happened with my complaint. Their response now for the 3rd time is that they did not solicit my business through an email ( according to their data ) and therefore I am not eligible for the reward. An Amex rep I spoke to in XX/XX/XXXX confirmed that there was indeed a promotion out there to Gold Card Holders about upgrading to the Platinum Card and she resubmitted my complaint as a result. Note : I would never have upgraded to the Platinum Card had it not been promoted to me. I have been a Gold card member since XX/XX/XXXX and had no need or desire to switch until this offer was received by me. I am about ready to cancel my card and never use Amex again.
Consumer complaint received 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I attended XXXX XXXX in XX/XX/XXXX and was given a loan and reassured that I will have a job and be able to pay back my loans. That 's has n't happened. <P/>I went to XXXX XXXX on line XX/XX/XXXX-XX/XX/XXXX. My program was discontinued because the school was " closing '' I was told I would n't be held responsible for my loans because the school was closing and I did n't finish my program. Well all of that was a lie. School is still open. I should not have to pay for something that I did n't complete or get.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

On X/XX/15 I deposited {$530.00} into a Wells Fargo ATM in XXXX XXXX XXXX, Iowa located at XXXX XXXX XXXX XXXX. When I deposited, it only counted {$70.00} of the amount. Knowing that was wrong, I immediately cancelled the transaction and went to retrieve my money. There was only the {$70.00} there. I called the toll free number located on the ATM. Assured that they would be able to retrieve my money, and would credit my account I left the location. On X/XX/15, my girlfriend proceeded to go into the branch to ask if a manager could pull video tapes of the transaction or if there was anything they could do at the location. She was told that only the claims department can handle this, not anyone in the branch. On X/XX/15 I was credited in the amount of {$460.00} and was told my claim was being investigated. I was also told that I would be updated on the status and contacted which did not occur. On X/XX/15 I received the attached letter in the mail stating they cancelled my claim, therefore taking back the {$460.00} credited to me. I immediately called the claims department and spoke with a worker there. They told me there was nothing I could do. I asked to be transferred to the fraud department to be able to check ATM footage when he told me that would not help because they do n't take cases like that. Out of options, I filed a police report but never received any contact from the police department. While on the web, I read about a similar situation and found this website through that. I 'm hoping a resolution can come out of this, even if it 's almost two years later.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have a loan through a financial institution that is set up on auto payment and comes out before the due date every month but on my credit report they show that I have been 30 days late on this account 4 times. I have tried disputing this with the bank in question as well as the three reporting credit bureaus but nothing has changed.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MD)

I was wit h Lexington Law sinc e  XXXX . When I sign up for the services I put another credit card which is expired on file. Now I been with this company since  XXXX  the man told me it would  be a one ti me fee of  XXXX  dollars that they would authorized from to take. They took my money my credit report still look the same. When I called this morning to resolve the issues but instead I got a rude lady saying they do n't give out refund so thats on me. When I told the lady that I did n't authorized the transaction she proceeded to still be rude. So then I asked what kind of company that do auto pay do n't give confirmation numbers she said us when I asked for a supervisor I had to wait 1hour for the lady to come back on there saying no supervisor and do n't call back no more. I think its not right. I 'm a single mother of  XXXX  trying to maintain all I want is my money.
Consumer complaint received 2017-06-28
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: Clarity Services (IL)

I received an alert about inquiries on my credit report. I checked it and Clarity Services Inc has pulled my credit XXXX times. XXXX times on XX/XX/XXXX, once on both XX/XX/XXXX and XX/XX/XXXX. I am unsure what this company is, but from what I 've seen it is some sort of payday loan company. I have not applied for, nor would I ever take out a payday loan. I want these off of my credit, have contacted the company with no response and do not want them allowed to do this again. I am trying to build my credit, and repeated, unauthorized inquiries are not going to help that.
Consumer complaint received 2017-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (FL)

XXXX/XXXX/XXXX {$1100.00}, I Called the company that showing on my credit report to find out what this is and I would told them I was treated at XXXX XXXX and that the i owed this amount I told the agent that I was not in the hospital, and this is not my debt and i would like to have this removed from my report because it is taking my score down. One Advantage LLC, XXXX
Consumer complaint received 2017-06-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

This Complaint is about Fraudulent Transfer of Tile to Real Property in which Schools First Federal Credit Union SFFCU Offered False or Forged Instrument for Filling and Recoding ( Cal Pen Code 115 ) with XXXX County Recorders against my legally owned property located in XXXX County, State of California, with intended to defraud and with parties, with no legal interest in the property, or authority to do so. On or after XX/XX/XXXX, in the County of XXXX , Schools First Federal Credit Union , did  unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : the TRUSTEES DEED UPON SALE in XXXX County Public Property Records .. On XX/XX/XXXX, in the County of XXXX, Schools First Federal Credit Union, did unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : COMPLAINT FOR UNLAWFUL DETAINER in XXXX County Superior Court to be filed, registered and recorded in the Public office within this State, which instrument, if genuine, might be filed, registered and recorded under a law of this State or the United States, in violation of Penal Code Section 115, subdivision ( a ), a felony. On XX/XX/XXXX, Schools First FCU, sent an email alleging, Schools First FCU Home Equity Line of Credit Statement, while claiming to be the owner of the claiming to have purchased the property on Auction under a fake created loan number. This fraudulent action scheme could have been carried out because I have a Home Equity Line of Credit with Schools First FCU, which I have been paying on since on or after XX/XX/XXXX, through a direct withdraw monthly payment schedule, dating back to XX/XX/XXXX and has not changed. On Friday XX/XX/XXXX, I found a Notice to Vacate my legally owned property. The Notice to Vacate appeared to be with a Void judgement from the Superior Court of California County of XXXX, with attached XXXX County Sheriffs Office, ( XXXX ) XXXX. No documents were attached to the Notice to Vacate to prove alleged ownership, by Schools First Credit Union, which can not be proven because the Judgement was void on its face. SFFCU acts constitute to unfair and deceptive practice. I own my property and I have the Grant Deed to my property to prove ownership. The Note the Deed of Trust Schools First claim to have obtained had no out standing Debt and the Deed does not transfer the property ; nevertheless, Tile or Deed of Trust together with the note by law can only be transferred by owner or it dedicated agent, and with documentary evidence to prove agency relation and certify the statute of fraud.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

A dispute letter was sent to Experian requesting an investigation into an account that is not mine. The bureau and company responded without offering the requested information used to determine if the account is in fact mine. Experian and XXXX are in violation of my consumer rights under the FCRA.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, XXXX, an unidentified person went to a Bank of America ( BOA ) branch in XXXX New York with fraudulent identification. Bank employees gave this person a new ATM card with access to my account. He subsequently withdrew {$800.00} from an ATM and additional {$6000.00} was personally withdrawn via a teller. I was alerted to some irregularities with regard to funds being shifted between accounts at BOA, which led me to go online where I discovered some large withdrawals that I did not make. I was told that the amount is still being investigated. The {$800.00} was confirmed that it was fraudulent and will be refunded. I have been given no further assurances regarding the {$6000.00}
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

I opened a credit card with Citibank in XX/XX/XXXX. I made my first payment of {$1000.00} on XX/XX/XXXX ( the date it left my account at XXXX ) via bank to bank transfer, from my account at XXXX to the credit card account. This is an electronic funds transfer -- instant cash to Citi. However, I learn today on XX/XX/XXXX that my payment was being held by Citi until XX/XX/XXXX! This is unacceptable. Citi has my money. I no longer have the money in my account at XXXX. That is 9 DAYS! In this day of EFT, overnight clearance of personal checks, etc. it is absolutely unacceptable for Citi to hold on to my money ( cash via EFT ) and this long before I get access to it. They in turn are using my money ( along with that of others ) in overnight lending to make money on my money. They should not be allowed to hold onto my money this long when it is a bank to bank transfer.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

THIS COMPANY IS REPORTING FALSE INFORMATION AND ITS DETRIMENTAL TO ME AND MY FAMILY XXXX XXXX XXXX IS REPORTING THIS CAR AS A REPO AND ITS BEEN PAID FOR TWICE IN FULL ONCE BY ME THEN THEY REPOED THE CAR AND SOLD IT AT A AUCTION. I NEED MY CREDIT REPORT UPDATED TO PAID IN FULL!!!!!!!!
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is stating I was late to the Credit Beau On XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX which i was not. I have bank statements to show otherwise.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

my daughter received a pre-approved credit card offer 24.65 % interest {$35.00} late fees {$75.00} menbership fee really? {$19.00} user participation fee really? apr will never be greater than 29.90 % ( that is disgusting ) she is a college student and has no income ... no wonder these kids are so in debt you are aggressively predatory ... disgusting ..take her off your list and do n't tell me you do n't tell me you do n't have the correct information to do so ..so have enough information to prey on her so you have enough to take her off you list and do not tell me you are giving her an opportunity to establish credit because that is deceptive and disgusting
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

THIS COMPANY IS REPORTING FALSE INFORMATION AND ITS DETRIMENTAL TO ME AND MY FAMILY XXXX XXXX XXXX IS REPORTING THIS CAR AS A REPO AND ITS BEEN PAID FOR TWICE IN FULL ONCE BY ME THEN THEY REPOED THE CAR AND SOLD IT AT A AUCTION. I NEED MY CREDIT REPORT UPDATED TO PAID IN FULL!!!!!!!!
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX . Experian has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the Code "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ...   XXXX   has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the letter.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

I contacted XXXX XXXX card customer service run by Barclays on, or around XX/XX/XXXX to  dispute a charge from XXXX XXXX in the amount of {$69.00}. 

Initially, I thought this was a fradulent charge because I did not remember making the purchase. XXXX, in turn, canceled, then re-issued my credit card. 

At this time I was also referred to the dispute department and was assured the disputed charge would be removed after they confirmed with the vendor ( XXXX XXXX. ) The conversations, as I understand it, were document by XXXX and they do not dispute the fact that I reported this. 

I followed up on a monthly basis for appoxiamtely 4 months until XXXX stopped corresponding. 

on XX/XX/XXXX I again noticed a charge from XXXX XXXX for {$69.00} for a re-curring membership. My first thought was, part of the reason we re-issued a card was so XXXX could not re-charge my card in the future. 

After a one hour phone conversation, XXXX was able to conference call XXXX XXXX and finally cancel my account and refund this years charge. 

Last years charge has never been resolved.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I was notified via text message from USAA of possible debit card fraud on Thursday, XXXX XXXX, 2017 at  XXXX XXXX. I immediately replied to the text that - yes the charges were, in fact fraudulent. The fraudulent charges totaled {$1900.00} - nearly {$2000.00}. <P/>Given that USAA prides itself on good customer service, I expected that I would be given provisional credit, until the dispute could be investigated. USAA does not have many brick and mortar branches, so I moved my household account there because I had expected they would put their money into superior customer service. However, I am wrong in my assumption. <P/>After the text on XX/XX/XXXX and my subsequent call to them on the same date - I did not hear anything back from them. No phone call, no text - no email. I checked my account every day and noticed that although the charges stated pending - the monies were deducted from my available balance. It was n't until today, XX/XX/XXXX ( 5 days later ), when I called them to find out about the status of my claim. <P/>I was told today and my account revealed that USAA had finally reimbursed me for the fraudulent charges. <P/>I am so disappointed in USAA 's lack of customer service. No calls, texts, no communication as to the status of my dispute claim for fraud. This was clearly fraud. There should be an algorithim to detect that this was out of pattern for my profile. This is unacceptable customer service. I am so surprised with this treatment. Most banks will give provisional credit and then investigate the claim. <P/>Wow - I still can not believe the lack of customer service. I will not be using my USAA debit card anywhere. Only for ATM withdrawals. <P/>I hope that USAA Senior Management sees this complaint Regards, XXXX XXXX
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

FCRA states in  section 623 ( a ) ( 8 ) I disputed the information directly with GLA they have failed to provide the method of verification by mail to me of what information they sent to the credit bureaus.I am requ esting for them to provide their method of verification and investigation of this debt I do not owe.