davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-12
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a wire transfer payment for services to a business in XXXX. Request was made to not to convert and make the payment in XXXX $ only. However, the business in XXXX received payment in local currency. When asked, BofA Wire transfer department confirm that my instructions are to not to convert the currency ; intermediate bank may have converted and asked me to inform the business in XXXX not to touch the money - so that they will help to get the money back and then I can make a XXXX payment again. They money was then taken back from the business but now BofA says they are not sure where the money is and that the intermediate bank is not responding. It has been over a month since the original wire transfer request was initiated and I am concerned a ). for my money and b ). that the business in XXXX needs the payment they may have other penalties and tax implications on their side. c ). I am not getting any answers from BofA, and moreover lastly, d ). now my local BofA rep says I will be charged fees for conversions and back as well as the applicable conversion rates for conversion, even though the banks are at fault. I need help to get ( i ) to recover all my money and ( XXXX ) to find the reasons who is at fault and ( XXXX ) that others do not have to go through this kind of problems. 
Thanks
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello my name is XXXX XXXX and this is my complaint I am filling this complaint since on XX/XX/XXXX in Bank of America XXXX Account, they made ( somebody ) a deposit from XXXX  XXXX which I was not aware. 

Then they made 2 transfer by XXXX which I do not authorize but the bank claims that I do authorize them to do this and that they sent me the authorization code to my phone but I have not received any code. 

I understand that what the bank is doing is unfair. I have not received any code and any email notifying anything and they took all my money from my saving account and I have more than 4 months in that account.
Consumer complaint received 2020-08-07
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: General Motors Financial Company, Inc. (GA)

I have a loan with GM FINANCIAL and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  GM FINANCIAL and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been disputing incorrect information being reported about my student loans since the beginning of XXXX. XX/XX/XXXX I had gotten an alert about changes on my report. I was appalled by the blatant lies and incorrect remarks I seen by an XXXX  associate. I immediately filed a dispute, and even with undeniable evidence against them, they refuse to admit their fault and remove this account, They have it listed as a WRITE-OFF when I clearly consolidated my loans and they were paid in full. The account in question is PAID IN FULL and is within 6 months of being 7 years old, and they refuse to remove it and this is a violation of my personal information because ( 1 ) the information in INCORRECT ( 2 ) I have paid this account in full and ( 3 ) I have to fight enough because of XXXX  exposing my data in a data breach and I am now a victim of identity theft because of them. This account should be removed!
Consumer complaint received 2020-08-07
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP (NJ)

A new lease was established with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. The sales associate took credit information, wrote up the agreement, and I paid the first months payment. It was assumed at this point credit was run and approved at the amount equal to the first months payment. Final the transaction is passed along to the business manager for final signing and paperwork. The business manager informs we credit came back at tier two, result in a {$13.00} per month additional cost as a result of this credit. No info was provided by said associate nor further explanation by said business manager regarding tiers. Since first month was paid and increase was reasonable, transaction proceeded. All paperwork was signed and i was provided a folder of documentation that seemed sufficiently thick. In a rush to leave, I was not able to look completely through the paperwork. Upon taking more time later to review, a copy of the credit report upon which this credit decision was made, was not provided. Immediate contact was made to the dealership on XX/XX/2020 via phone and email to the sales associate and I believe sales director. Multiple calls went un-responded, as well as many emails. The sales level and management at this dealership are extremely difficult to deal with and were unwilling to make arrangements to provide this information, as legally required.
Consumer complaint received 2020-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting inquiries on my account that I do not recognize. Including ; 1 ) XXXX XXXX- inquiry date XX/XX/2020, inquiry is being reported inaccurately, no permissible cause, no loan or credit has been extended, a violation of FCRA rules section 1681. 

2 ) XXXX  - Inquiry date XX/XX/2020. Inquiry is being reported inaccurately. No permissible cause, no loan or credit has been extended, a violation of FCRA rules section 1681
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

I received a letter from Convergent Outsourcing on or around XX/XX/XXXX that was dated XX/XX/2020 stating that they were representing XXXX in the amount of {$3100.00}. The letter stated that I had 30 days after receiving the letter to notify them that I was disputing the debt. I wrote to them at the P.O. Box that they listed in the letter, disputing the debt and requesting validation of the debt on XX/XX/2020 via certified mail. According the USPS, the letter was available for pickup for them at XXXX XXXX  on XX/XX/2020. To date, I have not received any additional correspondence from Convergent Outsourcing. Today, I was notified that Convergent Outsourcing has reported this debt to all three credit bureaus, but neglected to provide me with validation of the debt. They state on their website that they do not own the debt and are not always provided with itemized statements. They go on to say that they will request the information on your behalf from the original creditor and will mail that information to you when they receive it. I assumed that they were still in the process of requesting the information and was quite surprise to learn that they have reported the debt to the credit bureaus without providing the validation of the debt.
Consumer complaint received 2020-08-07
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. (NV)

I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. Experian shows the last active date as XX/XX/XXXX but XXXX  says XX/XX/XXXX while XXXX  says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability
Consumer complaint received 2020-08-07
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. (NV)

I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. XXXX   shows the last active date as XX/XX/XXXX but Equifax says XX/XX/XXXX while XXXX  says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. XXXX   shows the last active date as XX/XX/XXXX but XXXX  says XX/XX/XXXX while Transunion says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

contacted Experian on XX/XX/XXXX about charge offs on accounts that have been on my credit report since XX/XX/XXXX, I have never never made any payments on this loan never and they fail to show me proof of payments made and they fail to remove these accounts off my credit report, XXXX XXXX {$2700.00} US Dept of EDXXXX {$3900.00} Us Dept of EDXXXX {$2600.00} Us Dept of EDXXXX {$5200.00}
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc. (SC)

I received a collection notice from Receivable Solutions , Inc. dated XX/XX/20. Yet, I received the notice on XX/XX/20. I also didn't receive a past due notice from the provider, XXXX XXXX XXXX prior to the collection notice. Due to Covid19, payment arrangements were made on the account to pay XXXX XXXX  monthly. In addition, the amount of the balance on the account is {$170.00} not {$220.00}. I paid {$50.00} on my account online on XX/XX/20 Receivable Solution used abusive collection tactics in failing to confirm the amount and whether a past due notice was mailed to me prior to placing this bill on my credit file, which has caused creditors to reduce my credit limits. I will be filing a lawsuit.
Consumer complaint received 2020-08-07
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: CCS Financial Services, Inc. (IL)

I have a loan with XXXX XXXX XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
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 (IL)

I have a loan with CAP ONE AUTO and XXXX XXXX  ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AP ONE AUTO and XXXX XXXX  ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have previously requested multiple times to dispute the inaccurate addresses with your bureau. Despite these efforts, they persist on my credit report, which is concerning and unacceptable. 

I can confirm that I have never resided or conducted any financial activities at the addresses mentioned. It is crucial to rectify this misinformation promptly, as inaccuracies on my credit report can adversely impact my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into these inaccuracies and promptly remove the erroneous addresses from my credit report. Furthermore, I urge you to ensure that my credit file reflects only factual and verified information in accordance with the Fair Credit Reporting Act. 

Please provide written confirmation once the necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter and cooperation in resolving this dispute.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A payment of {$190.00} made on XX/XX/26 has been placed on hold for XXXX days when the payment method has been used several times in the past without any returned payments.
Consumer complaint received 2020-08-07
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: JPMORGAN CHASE & CO. (MO)

I have noticed that JPMCB have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested JPMCB and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b )  for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. ()

I am an American XXXX XXXX veteran living in the XXXX for the past 8 years, I am also a member of the XXXX XXXX XXXX XXXX. Every time I try to get a loan or credit card they deny me because all the credit bureaus in the United States give me a bad rating. I am a home owner here free and clear but none of that information is on any report. Also, they keep telling me I have not opened any revolving accounts in the past year, if I live in the XXXX why would I open an account in the United States? Also I am unable to get a copy of my credit score as they tell me I have to be in the United States. What a mess?