davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

We transferred {$4400.00} via ACH transfer from Bank of America to XXXX XXXX located in New York on XXXX XXXX. This was a payment to XXXX. It turned out that by mistake we added extra XXXX in account number that is why money didn't go through and held in the middle. XXXX confirm that they can see the money but because the account number is different they want us to contact my bank ( BOA ) to amend the request and correct account number. I contacted immediately to BOA customer care and they said we can't do anything except sending recall request for ACh transfer. We tried to contact multiple times to XXXX XXXX and they are saying either ask your bank to file dispute or ask your recipient to call them. Problem is there is no real recipient as wrong account number we sent money is not exist in real. Now its been almost 3 month and I still do not have status on my money. I don't even know if I receive it back. We are circling back and forth between XXXX and bank of America. Till now we made more than 20-25 calls to bank of America and XXXX. Really really bad experience ....!! I would never ever make any ACH transfer to this bank.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent a letter a letter to XXXX  disputing a PO Box address on my account that does not belong to me. I have also forwarded them a copy of my Drivers License that shows my correct home and mailing address. They have refuses to remove the address.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I used my payroll card issued by wisely to purchase a XXXX present from XXXX and they disputed the charge without my permission, closing my card on XX/XX/XXXX. The dispute was settled with XXXX on XX/XX/XXXX with XXXX losing and XXXX  removing the money from XXXX  account. According to wisely there was no dispute and no refund was processed by XXXX so there is no money that is supposed to go back to my account. XXXX is not understanding that XXXX has already lost the funds by losing the dispute and will not process an additional refund because that means they would lose out on the funds twice. XXXX  is not understanding or helping this situation even after a conference call between us so XXXX suggested this route to help us all get our money back
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX entered into a consumer credit transaction with BANK OF AMERICA early XX/XX/2023, applying for the Bank Of America Customized Cash Rewards Visa Signature Card and was denied via an adverse action letter. 

Pursuant to 15 USC 1602 ( f ), credit is my right. I, XXXX XXXX, am the original creditor in the transaction, therefore I can not and may not be denied for my own credit. 15 USC 1602 ( g ).

I used my credit card to initiate this consumer credit transaction. 15 USC 1602 ( l ) and it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Pursuant to the Equal Credit Opportunity Act-15 USC 1691 ( a ) Bank Of America benefited from this transaction as they took that credit I extended to them, while I received no benefit. 15 USC 1602 ( p )
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report
Consumer complaint received 2023-03-23
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. (KY)

At the end of XXXX I took out a loan for XXXX XXXX XXXX with XXXX XXXX XXXX on a 6 months same as cash for {$6200.00}. In XXXX I paid {$2200.00} towards the balance. On XX/XX/2023 I paid {$4000.00} to pay the loan in full prior to the 6 months. As of XX/XX/2023 this is still showing on my credit report as open with a balance. I have filed a dispute with Equifax but they keep sending me back to XXXX XXXX. I have been on the phone and in emails asking XXXX XXXX to correct this and they keep saying it has been reported there is nothing else they can do. I requested proof that this was reported on 2 separate occasions with no response. I need this removed from my credit report with Equifax immediately.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I made a purchase of an item in the amount of {$650.00}. The item purchased was never sent and I contacted the seller with no success. All the contact information was then disconnected. I contacted the vendor to reverse the charges and was denied. I filed a police report as well which the bank said they never took into consideration.
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me for violation of my rights
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

NOTE : This is the second time I am filing a complaint about the same issue. Please dont simply ask Truist bank to respond and they are unwilling to resolve the issue. I am asking you to protect me as a consumer and to ask XXXX bank to honor their commitments and their statements to their customers. 

MY ORIGINAL COMPLAINT : I have received a fraudulent check for the amount {$19000.00}, which Truist bank cleared the next day and placed deposit into my account. Every time in the past if there was every doubt about the check, they would put hold on the check and wait until they are sure check is good before clearing the check. Based on the clearing of the check and their previous process of putting the check on hold if in any doubt, I assumed they verified the check and are sure there are no issues with the check. Based on this I used those funds to return partially to the sender of the check and to conduct other business, assuming check is cleared and verified by Truist. Approximately 7 days later, Truist reverted the transaction and deducted the entire amount {$19000.00} from my account. I went to my local Truist bank and spoke to Truist representative. They called the bank from which the check originated and confirmed the check is fraudulent. They told me that this needs to be reported to Truist fraud department so they can return to me the stolen funds. While at the Trust branch we spoke to fraud department which tool all the details and told me Truist analyst will contact me. Branch representative assured me funds will be returned. Several days later, I received email stating that my fraud claim has been denied. I was never contacted by Truist analyst. I called the analyst several times using the number on the form that they sent but received no response. Their statement stated that I benefited from this fraud which is not true. XXXX never called me to ask for any details and denying the claim was completely opposite to what they told me at the Truist branch, where they assured me funds will be returned as Truist offers fraud protection. Truist also states that all deposits are protected and FDIC insured. They have several sections on their website stating they offer security and deposit /fraud protection. I have been their customer for 20 years and they simply denied this claim without asking for explanation, any details even though they state customer deposits are safe. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question for their response.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I show XXXX bankruptcies on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted immediately. I have enclosed my letter to the courts and also the courts response. I am also disputing this information with XXXX XXXX as to my understanding XXXX XXXX is the company that provided this information. I have contacted all of the credit bureaus and advised of this and I received responses from all of the credit agencies that they will not remove the items from my report.
Consumer complaint received 2022-06-02
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX has v iolated 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 2021-01-22
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. (FL)

The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ).

Since I requested for my personal information not to be sold and or distribute to advertisers, my credit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.
Consumer complaint received 2022-07-25
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. (FL)

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and the date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX  XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX XX/XX/XXXX {$220.00} INQUIRIES XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections.

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 611 ( 2 ) ( a ) states the Credit reporting agencies have 5 days to notify me from when the receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-06-01
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  data  breach  and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-14
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: TD BANK US HOLDING COMPANY (KY)

Target XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize these inquiries and did not apply for these cards.
Consumer complaint received 2022-07-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

hi! my name is XXXX XXXX. 

United Wholesale Mortgage, the mortgage company for my home, collects monthly escrow for property tax and insurance. 

they accidentally paid the property tax for both my home, the address of which is XXXX XXXX XXXX, XXXX XXXX NY XXXX, and for an adjacent commercial property, XXXX XXXX XXXX XXXX, which is owned by an LLC called XXXX XXXX XXXX XXXX XXXX. XXXX which I do not own, have never owned, and have absolutely nothing to do with ). I found this out because when I called the mortgage company to inquire as to why they were showing me with an escrow shortage of {$48000.00}, they informed me that they needed to collect from me the taxes for my " 2nd property ''. They claim that the town which is the taxing authority, told them that I own 2 parcels of land and thus am responsible for both properties ' tax. the other property is owned by a cardiology practice, not by me, and is a commercial building with a huge annual tax bill. the mortgage company has paid the first half tax on both my home, and on this other property as well. They did this without ever consulting with me. Now they are trying collect the money for the other property 's taxes, which they incorrectly paid, from me. I have called several times, emailed, and sent them the correct bill for my home as well as researched and sent them the other bill showing that the ownership is a company, not me. they have ignored my contacts and continue to try to collect an extra {$35000.00} in taxes on this other property from me .... they claim that I need to contact the town and straighten it out???? they have added XXXX a month to my mortgage bill. This is absolute insanity and they take no responsibility for their mistake, instead putting the onus on my to straighten it out. I am concerned about my credit and need help in getting this situation rectfied. again, I have been contacting them since XXXX, and they have failed to provide any resolution what so ever, other than suggesting that I call the town.
Consumer complaint received 2022-06-24
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. (GA)

In accordance with the fair credit reporting act this XXXX with account number XXXX has violate my right and I need this account deleted from my credit report.

[ 15 U.S.C. 1681 section 602a section1, states I have the right to privacy.

[ 15 U.S.C. 1681 section 604a section 2, state that a consumer reporting agency can not furnish a report with my writing instructions.

For this reasons, I demand that the above named company with the account number should be removed/ deleted from my account.
Consumer complaint received 2024-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Complaint and DVR regarding receipt of distribution of funds for Bankruptcy Claim in case XXXX. On XX/XX/XXXX XXXX 's XXXX system automatically filed two fraudulent Claims where XXXX demanded from me {$5400.00} and {$1200.00} purportedly for BOA as my alleged current " creditor ''. In XX/XX/XXXX Bankruptcy Trustee started distributing my payments from the estate. I demand a respond from an authorized employee of Bank of America with his/her direct contact information who has personal knowledge about filed Claims in my case who can confirm filing these Claims and verify receipt of my payments from Bankruptcy Trustee. 

I demand BOA 's authorized knowledgeable employee to confirm in writing that BOA in fact filed two Claims in Bankruptcy case XXXX as my alleged " Creditor '' who owns an account receivable due from me. 

I demand to disclose how much money received Bank of America from my bankruptcy case XXXX distribution between XX/XX/XXXX to present time. Please provide me copies of wire transfer receipts, cancelled checks, ACH evidencing payments to BOA by bankruptcy Trustee in case XXXX Please disclose that BOA did with these payments. Did it keep it for themselves and deposited on the account receivable owned and due to BOA? or forwarded to anyone else? To whom my payments were forwarded and how much? Please provide me a copy of the ledger for the account receivable where these payments were deposited.
Consumer complaint received 2021-02-18
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: EQUIFAX, INC. (AL)

On XX/XX/2021 I sent documents disputing multiple negative fraud accounts associated with my credit report. Ive sent dispute letters to all three bureaus. Below are the Companies, Account Numbers, and Amount of the disputes I have sent to XXXX, XXXX & EQUIFAX. Also attached below are the letters I mailed to all three bureaus. I would like these removed from my credit as soon as possible. XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXXXXXX {$2300.00}