davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Sirs, My name is XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I address you with regard to the XXXX payment transaction that has been made on XX/XX/2022 and is currently on hold since XX/XX/2022 by Bank of America, please see the full details below. On XX/XX/2022 we received a compliance request from the correspondent bank - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX with the inquiry of a detailed purpose of payment and relevant invoice. We replied to this request on XX/XX/2022. However, by now the payment has not been either returned to the debtor bank, or proceeded further to the beneficiary, while the said goods have been already shipped from the XXXX supplier to the XXXX  customer. Please kindly check the current status of this transaction and arrange to refund it to let us settle this matter. Thank you for your understanding and cooperation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ID : XXXX Tax ID No : XXXX Mobile : XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2020-04-06
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. (CO)

Experian is reporting incorrectly a collection/chargeoff in the amount of {$5000.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and this account was paid. There is no outstanding balance due. I have attached a copy of my insurance card for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2022-12-29
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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: Nelnet, Inc. (AL)

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 states I have the right to privacy. 

I feel as if this issue was not handled properly.
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Dynamic Recovery Solutions, LLC (NH)

They call and I have told them I do not owe them any money and to stop calling me. They are also blocked on my end to stop them. They change their number over and over again and keep calling with the same message : Hi I'm reaching out to you today from Dynamic Recovery Solutions a debt collector. Please give me a call back when you do receive this message. My number is XXXX I would appreciate a call back today if possible. Again our toll free number is XXXX. I do appreciate your cooperation you have a great day.
Consumer complaint received 2023-05-07
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. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT ON MY CONSUMERS REPORT AND CREDIT FILE S DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$9300.00} Balance updated XX/XX/XXXX Original balance {$4900.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Status Pays account as agreed Status updated XX/XX/XXXX Past due amount - Original balance {$4900.00} Monthly payment - Contact info Address XXXX XXXX XXXXXXXX XXXX, WI XXXX Phone number By mail only THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (LA)

The collection agency placed a bad debt on my credit report for XXXX when the balance was paid directly to the creditor. I do not owe Credence collection agency and this is a false representation that is being displayed on my XXXX  report. This needs to be removed completely from my account.
Consumer complaint received 2022-12-29
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (PA)

I purchased a Netspend prepaid card. My reason is because I wanted funds to travel from Florida back to my home in XXXX With the current crisis, I did not know what I might encounter and I did not want to carry excess cash. Netspend accepted my cash for the card but denied me the use. The reason is that I gave my home address XXXX XXXX, Pa XXXX and that was away from where I bought the card. Netspend asked for documentation so I sent the a Pennsylvania Real ID ( the enhanced identification that allows you to board airlines ), my XXXX card, and a utility bill with my name and my Florida address. They asked for a social security card which, I explained, I did not carry. At one time, XXXX cards used a social security number, but no more. And, to get the Real ID, a person needs to provide an original social security card as well as birth certificates and several other documents. Netspend took my money but would not authorize the card. Their people were seemingly not informed about current identification and insisted on my social security card which is at home and, to get there, is why I bought their card. In stressful times, like now, their actions are unacceptable
Consumer complaint received 2022-06-03
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)

Subject : XXXX Wrongly reported missed payment to credit bureaus. 

I leased my car with XXXX in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed XXXX about my new address. I have been paying taxes since day XXXX on time. Below are dates of each year XXXX sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
XXXX Account XXXX. XXXX Case I opened with XXXX : Dispute # XXXX Details of property taxes I have been sending to XXXX are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

For the past 5 months BBVA Compass Bank has been reporting that I was 30 days late with my XXXX monthly payment. 
I spoke with customer service who promised me they would correct this but they never did, I also wrote BBVA addressing this issue and each time they never complied even though I showed proof that the account was never late. Although BBVA Compass was unable to show proof that the account was late when I requested the needed documentation pursuant to the fair credit reporting act, they refused to provide any proof that the account was 30 days late. I even spoke with a branch manager previouisly who assured me the derogatory information would be removed BBVA Compass Bank continued to report that I was late on XX/XX/2019. When I sent BBVA Compass Bank a final demand letter they sent me a response letter. The letter that BBVA Compass Bank sent informed me that due to my current credit scores they were closing out my XXXX line of credit. 
This makes no sense as my credit score is higher now then it was when BBVA Compass Bank issued the line of credit.
Consumer complaint received 2022-06-03
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. (VA)

Subject : XXXX Wrongly reported missed payment to credit bureaus. 

I leased my car with XXXX in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed XXXX about my new address. I have been paying taxes since day XXXX on time. Below are dates of each year XXXX sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
XXXX Account XXXX. XXXX Case I opened with XXXX : Dispute # XXXX Details of property taxes I have been sending to XXXX are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}
Consumer complaint received 2022-06-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: West Coast Servicing, Inc. (GA)

Someone took out a fraudulent loan against my property in XXXX of XXXX {$5400.00}. The loan was never repaid so a lien was placed against my property. The original company XXXX XXXX has gone out of business. Since then West Coast has picked up the debt attaching their name on to my title. I addressed this years ago during the purchase of my home. At the time, the 3 credit bureaus removed this from my credit. I thought this was resolved, until i placed the home for sale. The closing attorney notified me. I have been in contact with XXXX asking for documents. The only thing they sent was the demand letters, and the contract from XXXX that was singed fraudulently. All but one of the documents provided where mailed to XXXX XXXX XXXX, which I moved from in XXXX. They know that I am in the process of selling the property so they have requested a payment of {$26000.00}. I offered them {$3000.00} just to move on with the sale of my property. XXXX is not trying to work with me. I have filed a police report as they instructed. Now they are asking for me to share with them my HUD closing documents. I feel i am being exploited. I have spoken with so many different agencies regarding this. Everyone is giving me the same advice, " This should be removed '', but no one is enforcing it. My home sale is due to close on XX/XX/XXXX. I can not move forward with this pending. PLEASE HELP ME. How is this legal?
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I contact XXXX XXXX XX/XX/2019 and let them know I did not authorize this inquiry onto my credit.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contact XXXX XXXX XX/XX/2019 and let them know I did not authorize this inquiry onto my credit.
Consumer complaint received 2021-06-17
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. (OH)

I have some major issues with bad addresses and fraudulent accounts appearing on my credit file. Someone applied for and received accounts with XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am disputing these items under FCRA XXXX, XXXX, XXXX. 

THE FOLLOWING ADDRESSES ARE FRAUDULENT PLEASE REMOVE : XXXX XXXX XXXX XXXX  XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX  VA , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX I have never seen these addresses before on my credit file and I believe one or more of these addresses was used for the fraudulent activity on my credit profile. I am filing my police report today and a FTC ID theft complaint as well.
Consumer complaint received 2017-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This is the second claim I have submitted on the bank, HSBC. I sent   XXXX  wi res to customers of the bank, totaling  XXXX  from my   XXXX   XXXX   XXXX   account. We suspected fraud so they   XXXX   wires were recalled but the funds have not been returned. The first complaint that I submitted were met by a response from HSBC that called for a letter for indemnity from    XXXX   XXXX   XXXX  . The lady in charge of the Fraud Dept at   XXXX   XXXX   XXXX   informed me that they are not able to provide such a document. If they  wish, I will sign such a letter for them, if it will help get my funds returned. My prior complaint # is  XXXX . Please recontact them for me and urge them to cooperate. I urgently need my money. I took out home equity loans to take part in this scam.
Consumer complaint received 2022-04-15
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a Bank of America credit card that was reported lost/ stolen sometime in XXXX. The original account was closed and replace with a new one at time which the representative assured me no further charges would go through the old card. To my surprise, on XX/XX/XXXX, a charge of {$540.00} was put through my old card by XXXX XXXX XXXX. I tried to contact the merchant multiple times but their system doesn't show any record of the purchase nor anyway to cancel the purchase. I contacted Bank of America the next day trying to close my account completely, but the representative, XXXX from Maine, reassured me multiple times that this " pending charge '' from XXXX would not go through. As a result, I believed her and did not close my account. A week later, on XXXX, a discovered that the charge has gone through and I have been lied to. So my question for Bank of America is : how did a purchase gone through a closed account? Why this wasn't flagged as potential fraud. I think this is a potential violation of Electronic Fund Transfer Act and Regulation E. CFPB took action against another bank in XXXX for similar reasons that closed accounts were reopened without explicit authorization from the client, allowing recurring charges to go through ( regardless whether they were fraudulent ). I ask the CFPB to investigate BofA 's practices and take similar action.
Consumer complaint received 2020-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Dear SR or MADAM. I am writing to complain again my case. Because i was in the court on XXXX as you know i complained to XXXX XXXX XXXX i had account # XXXX been paying for 2 years plus, which was for my debt with XXXX credit card the account # XXXX .So they sent me transcripts of checks. The checks are pay to the order of XXXX and below says for XXXX XXXX  XXXX XXXX.IN the court they say does not prove the debt was paid because on the checks does not show this account - XXXX.So i have to back to court on XXXX. So i need to find out where the XXXX. XXXX XXXX XXXX put those checks in. It should be applied for this account XXXX. And basically that is the complain to XXXX. Thank you so much.