davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/XXXX th I transferred {$30000.00} from my Bank of America account towards purchasing an apartment in XXXX, XXXX I did verify the bank account that I was transferring the money by doing a small test transfer amount the day before and it was successfully transferred. 
However the money that I transferred on XXXX XXXX XXXX has not been received by the beneficiary till date and Bank Of America does not answer my phone calls. 
I received a conformation from Bank Of America saying that the beneficiary got the money which is not true and after multiple calls by me, now Bank of America accepts that the money has not reached the beneficiary and they want additional information from me but no one has contacted me till date what information they need and they keep telling me that my case will be assigned to a case worker in due course .My money has left my account 10 days ago and I have no clue where it is. 
Below is the confirmation message I got from Bank of America XXXX # : XXXX Amount : {$30000.00} ( XXXX INR ) To : XXXX XXXX Fee : XXXX Rate : XXXX USD = XXXX INR Send on Date : XX/XX/2023 Service : International Wire Transfer
Consumer complaint received 2023-04-22
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. (IL)

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 public record 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 U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference XXXX XXXX XXXXXXXX U.S. Bankruptcy Court XXXX XXXXXXXX bankruptcydischarged Reference XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-20
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. (VA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (AR)

Hello, I have 2 companies, Assetcare & Capio Partners, reporting the same debt on my credit report. The debt theyre both referring to was initially stated as being started in XXXX ( per the Assetcare INITIAL report ). I disputed the debt from Assetcare about 2 months ago and the debt remained, but the date then changed to reflect that the debt was acquired in XX/XX/XXXX. I tried to then dispute again due to the inaccurate information change, but the debt came back verified. Today, XX/XX/XXXX I got a notification that Capio Partners is reporting the same debt from the medical company. So that leaves both debtors reporting the same debt. I feel like this has to be a scam. Please look into this.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofcognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation. 

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-22
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} Consider this as a follow-up to my previous complaint.
Consumer complaint received 2023-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

On XX/XX/2023 i submitted complaint # XXXX against rushmore llc for not responding to the state of new jersey erma program request for reinstatement balance. Rushmore responded on XX/XX/2023 after finally sending the documents requested to be reviewed. On the same day rushmore reported to creditors that a foreclosure was initiated.This is a retaliation and illegal due to the fact rushmore just sent documents after the complaint was filed.I have not yet to receive any foreclosure court documents and the reinstatement quote is in access of whats actually owed.
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MT)

Synchrony bank calls me 15-20 times A DAY even just one day after a payment is late, and continue to do so every single day until a payment is made. They have even left messages on my voicemail threatening to take legal action with a lawsuit if I, or my lawyer do not contact them and submit payment immediately. Its non stop harassment and its causing XXXX XXXX, and my phone does not stop ringing when Im trying to work. This is against debt collection law, and they need to be held accountable.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Re : Chase acct. XXXX, cashiers check XXXX I have been a client of Chase Bank for over twenty years. In XXXX and XX/XX/2023, my accounts were hacked three successive times. Chase Bank then closed my accounts and issued cashiers checks for the remaining balances. All three checks arrived at my house in open, unsealed envelopes. 
The above-referenced check, for {$2000.00}, issued XXXXXXXX XXXX XXXX was returned unpaid. I spoke with a banker who said the check would be re-issued. 
On XX/XX/XXXX I visited the branch and spoke with a banker. After a phone conversation with a Chase office, he assured me that the check had been re-issued and was being mailed that very same day. He said that when I received the check I should not deposit it in another bank but rather cash it as quickly as possible. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I visited the branch and spoke with a banker. She said she could not confirm the status of the check but would submit a new request that it be re-issued. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me the check had been re-issued but could not confirm it had been mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They assured me they would make a new request that the check be re-issued, since it has not been re-issued or mailed out. 
On XX/XX/XXXX I made telephone contact with the Fraud Unit. They declined to make a new request to re-issue the check and stated the check has not been mailed out. 
It has now been approximately two months since the original check was issued and I have not received a replacement.
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2023-04-20
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation.

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 8 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2016-04-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: GREAT LAKES (NE)

I applied to a XXXX school in XXXX XXXX. I finished my courses and walked at graduation XXXX XXXX was told our XXXX would be mailed to us in the following weeks. I called everyother week from XXXX XXXX til XXXX XXXX asking about my XXXX. was told its going out or was in the mail. called back XXXX XXXX and found out the school filled bankruptcy 3 times and closed. 
I never received my XXXX showing completion. contacted the state and was only sent my transcripts showing my hours. I am not able to take my XXXX test without my XXXX. im now stuck with a XXXX dollar loan that I cant afford since I have not been able to find work where I can afford child care for my children and repayment of this loan. I do n't qualify for the school closure because they considered me out of school at that point. I was never given the proper entry exam, I was not a XXXX and obtained my XXXX while attending classes. I did n't qualify under those circumstances either. I did the income based repayment. and apparently Great lakes my loan servicer put me on forbearance when I have always done unemployment deferment deferment but now my subsidized loan has {$480.00} in interest I was not made aware of. I feel extremely used and taken advantage of when I never took a dime of the governments money, I had to pay almost {$1000.00} out of pocket to cover what the loan would n't. or the fact that the school charged what they did when I had to buy everything myself. everytime I have contacted great lakes im basically told oh well nothing we can do. im not even offered a payment plan im just told this is what I pay and that 's it. most places you get options. 
The school I attended was the XXXX. And I know for a fact im not the only student in my class that did n't receive their certificates
Consumer complaint received 2024-10-10
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer to rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (CA)

In XXXX, I received an alert from the credit bureaus that I had received a 30 day late. When I went to see where it was coming from, I discovered it was with TD Bank/Target credit card. I immediately logged in to make a payment, as I had no idea my account past due. I contacted customer service because I was concerned since I had received no communication from the bank notifying me of any late status. Customer service reversed the late charges and stated that they remove the 30 day late from my report. That was in XXXX. I called back again in XXXX because nothing had updated. The guy said their internal department was looking into it and that I needed to give it time. It is now XXXX. I called again just to be told again internal department is looking into it. No one is looking into anything. No one is addressing my concerns. No one is fixing my report. Ive sent dispute after dispute. I was told that they had to remove the late fees in order to remove the late notice with credit bureaus. They still have not carried out their word. No one will let me speak with a manager. It is taking them longer than 30 days to update my report. They keep saying they are investigating and then nothing happens. I receive absolutely no communication from them just like when they reported me late. There was no communication informing me I had a balance. No communication informing me payment was missed. No mail, no phone call, no nothing.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc. (GA)

This account ( NATIONAL CREDIT SYSTEMS ) has exceeded the statute of limitations and needs to be removed from my consumer report. This item was entered to my consumer report on XX/XX/XXXX therefore it should have been removed on XX/XX/XXXX considering the fact XXXX law says oral contracts have a 4 year statute of limitations. I never had a written or oral agreement with National Credit Systems. If this account is not removed immediately I will sue XXXX and National credit systems for violations of the FCRA by not removing this item from my consumer report within the XXXX  Statute of Limitations.
Consumer complaint received 2023-04-20
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)

I am writing again this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact these accounts are totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2023-04-21
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. (CA)

CREDIT REPORTING AGENCIES EXPERIAN AND XXXX TO DELETE INACCURATE REPORTING OF UNAUTHORIZED, INACCURATE DELINQUENT AND LATE PAYMENTS SHOWN ON CREDIT REPORTS : ID THEFT REPORT ATTACHED XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX