davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My tuition payment for XXXX euros to XXXX XXXX XXXX in XXXX, XXXX was due at the beginning of XXXX. However, because of an internal auditing issue, the university asked me to send my tuition to their subsidiary bank, XXXX, in XXXX. XXXX XXXX and I complied by converting the amount to XXXX pesos and then sending the payment to the IBAN and SWIFT codes provided by the university. It has been a month and XXXX still claims they have not received the payment. XXXX XXXX placed a trace but the result was apparently inconclusive ; XXXX was not very transparent with their end of the trace. XXXX XXXX has since placed a recall of funds but we have not heard back in 2 weeks. At the same time, the university is threatening me for having an outstanding balance on my tuition. Who is liable for what? What can I do to fulfill my legal obligations?
Consumer complaint received 2018-10-01
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. (TX)

My direct student loan accounts were in a defaulted status at the beginning of the year and my XX/XX/XXXX income tax refund was intercepted on XX/XX/XXXX to pay off the defaulted student loans. However, the accounts are still reflecting as seriously past due on each of my credit reports and the credit bureaus have not been willing to correct this information.My dispute letters were sent out on XX/XX/XXXX and no updates reflecting the account as current have been made
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (HI)

My complaint is related to the XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Hawaii XXXX, Ph # XXXX, collecting on behalf of XXXX XXXX who is collecting on behalf of XXXX XXXX. While they never quite provided the written proof of the debt which I believe was my husbands, I conceded and paid them after attending multiple court dates on the matter. It should be noted that they have tried this on multiple occasions and after I attended multiple court dates they dropped it because they could not prove the debt as I requested. Basically they have a history of wasting peoples times going to court and then end up unable to prove there is a valid debt. 
All that aside, my complaint here is related to the practice of collecting on a debt they have already been paid on. Civil Case Number XXXX for XXXX XXXX was paid in fill with a final payment of {$130.00} brining the total paid to the full debt of {$680.00}. They sent confirmation of the case dismissed in a letter dated XX/XX/18. They then sent a letter dated XX/XX/18 asking for the same amount of money and indicated they have filed a lawsuit again. This is clear harassment and unethical practices to be paid twice on the same debt. They continued to send letters throughout the duration of the time I was attending court and paying them. Their letters never reflected payments and they continued in efforts to collect the fill amount even after accepting payments. All payments were made by check and I have copies of all returned checks. However again they confirm in the dismissal letter of XX/XX/18 that the debt is paid in full.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IL)

This Collection Agency has listed a collection on my credit report. Firstly, they have not validated that this debt belongs to me. Secondly, they are not licensed in my state to even collect debts which is a violation of the federal law. Please remove all collections from my reports as soon as possible otherwise I will have my lawyers look into a lawsuit.
Consumer complaint received 2018-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

A foreclosure of this property is currently in process. Bank of America holds the second mortgage, a HELOC loan, on the property. The property is held in a Trust in which I am the sole Trustee. I am also the daughter of the mortgagors who are both deceased. The default on the loan is due to the mortgagors deaths and a lack of any funds whatsoever in both the Trust and Estate. I am trying to personally attend to these debts. A restraining order is in place to halt a foreclosure sale that was scheduled for XX/XX/XXXX at which point I immediately placed the property on the market so as to resolve the debts on the property. Despite the fact that this restraining order is in place, we received notice on XX/XX/XXXX from a law firm advising that Bank of America has moved forward with a foreclosure. This is a violation of the restraining order. It is also not in compliance with the Fair Debt Collection Practices Act. I have attached the letter from the law firm with this complaint.

Despite the fact that this debt is not my own, I have been trying in earnest to get this resolved. The property has not yet sold though it is still on the market. I have been advised that I am unable to be reviewed for modification or assumption options, despite my being Successor Trustee, and that my option is settlement of the HELOC, as it is a second-position lien, or sale of the property. With Bank of America moving forward with the foreclosure despite the restraining order and the property being listed, it seems settlement of the debt is the only way to avoid foreclosure. Unfortunately it has been a source of great frustrationand has cost time and moneyto pursue a settlement through a customer relationship manager. In the past I have been provided incomplete instructions, had documents lost, spent money to have them re-sent only to be told they were never reviewed. I have been told I am unable to be in direct contact with the department that handles HELOC settlements which would be the simplest, most efficient and quickest route to a solution for all parties. I am deeply concerned that Bank of America will foreclose before I am able to correspond with the settlement department and resolve this debt.
Consumer complaint received 2022-08-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Goal Structured Solutions, LLC (CA)

Hello, I Never Join XXXX XXXX University For XXXXXXXX XXXX Course, I Did Fill Up Application But Never Start Course, XXXX XXXX Took Money From Lender Under My Name Now Lender Sending Me a Bill For Over {$2000.00} Plus Late Charges TheXXXX  Lender Damage My Credit With 3 Credit Bureaus. I Try to Talk to Lender About What They Denied to Resolve This Matter They Demand Full Balance Which I Never Took A Course. 

Lender Name : Launch Servicing LLC XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA
Consumer complaint received 2022-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened a credit card with Capital One XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with Capital One due to my XXXX
Consumer complaint received 2018-11-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I had credit with XXXX XXXX  ( now XXXX XXXX   XXXX ) and a credit account with XXXX XXXX  which were discharged in chapter XXXX bankruptcy inXX/XX/2013. A few months ago both XXXX XXXX XXXX  and XXXX  filed derogatory statements on these accounts. contacted TransUnion and filed a complaint. After 30 days I received a reply from TransUnion that both lenders refused to remove the statements even if both creditor are in the bankruptcy that is also listed on my credit file. I want the derogatory statements removed as it is simply reiterating what is in the bankruptcy reported to the credit reporting agencies. What can I do?
Consumer complaint received 2023-01-29
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 ( XXXX XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-30
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is a follow up on a previous case ( XXXX ) against XXXX XXXX. XXXX never reimbursed me for an overcharged amount on a purchased flight even though they admitted they overcharged me. 

Capital One knowingly allowed XXXX XXXX to rebill me the exact same overcharged amount when they knew through documentation that XXXX admitted on email correspondence they overcharged me. I contacted Capital One on this and they keep putting me off telling me they don't know when they will be able to get back to me on this matter. This is not acceptable. I have been an outstanding customer, with a near perfect credit rating.
Consumer complaint received 2018-11-01
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. (HI)

" " '' I have disputed this collection on this XXXX XXXX   XXXX  for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-11-01
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. (HI)

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-11-01
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. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2019-05-06
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: FACTUAL DATA CORP. (IN)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX. My credit report states that I had an additional hard inquiry XX/XX/XXXX prior to me securing a car loan. I am trying to establish my credit to open up a small business with my husband and every point counts as I am sure you know. The car dealership told me that the loaning agencies would remove the other hard inquiries that I did not secure a loan with.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I filed a XXXX fraud claim through Bank of America fraud department against what I discovered was a person with a history of fraudulent activity on a website ( claim # XXXX ). After I submitted payment to this individual via XXXX on XX/XX/XXXX and never heard back from seller, the next day the website emails me that this person has been flagged for fraud and they said in order to open a claim for partial refund I would first have to contest with my bank and once a denial letter is received I would then need to forward to them. But I only had 60 days to do so. However, I never received a communication from Bank of America within that 60 day period therefore loosing all hope of reimbursement. I tried to file a complaint with XXXX XXXX and XXXX XXXX from the Fraud department at B o A regarding this gross negligence which has cost my a lot of money. But they have not followed up with my complaint. Please see below for timeline details : I opened a claim with XXXX from B o A fraud dept on XX/XX/XXXX ( the next day ). I was told that I would be notified via email for document requests and decision. I DID NOT RECEIVE ANY EMAILS. I called back on XX/XX/2021 and spoke with XXXX who said that they are still reviewing the case and I would be notified via email. NO EMAIL RECEIVED. Since I had not heard any further correspondence or emails, I called back on XX/XX/XXXX and spoke with a rep named XXXX who then notified me that my case had been denied. I did tell her that I never received an email from B of A and I have been calling this whole time and now I am outside of the 60 days to dispute with the website. I asked for the denial letter and she says it will take another 5 business days. Since I was never notified by bank of america of any denial I am now in a bad situation and I am now going to lose {$1800.00} because of literally NO COMMUNICATION FROM BANK OF AMERICA.
Consumer complaint received 2021-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted TransUnion on multiple occasions since 2018, they have infringed on my consumer rights. Their harmful knowing negligence and knowing noncompliance of FCRA and FDCPA regulations have severely damaged my credit, defamed my character and violated my consumer rights. This has stressed me out and has caused me serious monetary damages. They willingly reported false and harmful information on my credit report. I have kept all records and correspondence between me and them. They inserted multiple false reporting without doing an investigation into these accounts. By federal law they can not report any such activities on my consumer report without first 100 % verification of accuracy of said accounts. Once I contacted them they came back and said these accounts were verified on several occasions. I asked how they were verified and whom verified them. I never received any return information. They then came back after proving through federal law that they had no right to make such inaccurate reports and removed these accounts. They were knowingly breaking federal consumer laws with govern them for financial gain from these false reports. I will also have a complaint filed with my State Attorney General.
Consumer complaint received 2018-11-01
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. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error ... XXXX   XXXX  ( reported duplicate on my credit report ), XXXX XXXX ( reported duplicate on my credit report ), XXXX XXXX ( reported multiple times on my credit report ), XXXX XXXX ( reported multiple times on my credit report ), XXXX XXXX ( reported duplicate on my credit report ) XXXX XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

These account ( s ) was charged off on the following date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists