davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Results needed : Bank of America needs to please locate {$4100.00} and credit my account # ending in XXXX. These funds were returned on XXXX XXXX XXXX from XXXX to Bank Of America. See details below. 



Details-This has been too long since I dont have these funds. It has become a blame game between Bank of America and XXXXXXXX XXXX 


XX/XX/ I requested to pay my mortgage bill via Bank of Americas Online banking bill payment system for {$4100.00} to XXXX. 
XXXX XXXX  returned this payment back to Bank of America. 
From XXXX XXXX XXXX XXXX XXXX  I have made several calls to both BOFA and XXXX and been bouncing back and forth with no resolutions. None of these companies takes ownership of who has the funds to release these to my account. 
On XX/XX/, I spend another 2 hours between bank of Americas deposit department and Bill pay department and didnt make any progress. There were few a things that were learned in the banking jargon as I included a family member on these calls that is in banking. 
Bank of America uses a third party bill pay company XXXX XXXX XXXX XXXX ) Which is where funds were returned according to letter provided by XXXX. 
There was another transaction exactly the same payment to XXXX via bill pay in XX/XX/2023 that was also returned and these funds were credited to my account without any issues. 

At this point, Bank of America has the funds and should do the research required to find these and credit me. I believe that this was most likely rejected and in the manual process they didnt know where to credit and is probably still in some internal general ledger account. The right parties in the right department need to take charge to track this. 

See attached letters from both BOFA and XXXX showing Bank of America bill pay went out and also the confirmation that this was returned by XXXX. 

Having these large sums of funds missing for a single mother for 11 months is just ridiculous and needs the attention that this deserves to get a resolution. 

If you have any further questions, please contact me, XXXX XXXX, at my cell phone XXXX to get a resolution in a timely manner.
Consumer complaint received 2023-03-08
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. (ME)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 any 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 2023-08-21
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. (MN)

As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from Absolute Resolutions without any prior knowledge, I received a letter dated XXXX from XXXX XXXX XXXX PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXX am. 
I will also attach the letter sent to XXXX and XXXX below. 

15 USC 1692 ( e ) and 15 USC 1692 ( f )
Consumer complaint received 2023-03-03
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. (LA)

In Accordance with the fair credit reporting act. the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 1681 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, DPT EDXXXX # 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 a right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) section 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 conviction of crimes which antendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Apersonshall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Elite Financial Services, Inc (MA) (NY)

On XX/XX/XXXX XXXX XXXX  I made a debt settlement payment of {$2100.00} through Elite Financial Services to XXXX XXXX I was informed by Elite Services that this was a settlement that XXXX and XXXX agreed upon and would clear any other amount I owed. Elite Financial Services uses XXXX XXXX XXXX to make payments. 

1 ) Elite Services has never provided me with written information on any of the settlements I have completed. 
2 ) XXXX says they returned my account to XXXX on XX/XX/ and do not show a settlement payment. 
3 ) XXXX XXXX department says they haven't received a payment since XX/XX/. 
4 ) I have not received any paperwork from XXXX nor from XXXX the entire time I have been in dispute and or settlement with them. 

The payment was made, money was taken out of my account, and not one of these companies is taking responsibility to post this money. Fuerthermore, Elite Financial Services owes me a refund of {$1200.00} per the case manager I have spoken with. Finally, Elite Financial Services does not return my phone calls nor do they return my email requests to speak.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX my wife was in a car accident that totaled the car. 
We had the auto loan with XXXX XXXX  and also had GAP insurance with Ally. 

We assumed the car would be paid off in a timely manner but problem arose when the driver that hit my wife, he was underinsured therefore this caused delays in the pay-off process. 

It took 5 months to fix this problem, we had issues with XXXX and also with Ally, they made the process a nightmare instead of assisting ( we had several calls, emails and text history of our communication with them ), our car insurance company was the only one that helped by paying most of the auto loan debt to XXXX, ( even though we were not at fault at the accident ) still there was a balance that Ally ( GAP insurance ) instead of doing what they are supposed to do, they delayed the process and showed no initiative or professionalism to even try to resolve the problem... Ultimately the auto loan ( XXXX  ) was paid off in XX/XX/XXXX. However, on mine and my wife 's credit report show on XX/XX/XXXX ( as Delinquent ) and on XX/XX/XXXX ( as Derogatory ) affecting our credit. 

Would this be updated next month? or please advise us how can we proceed? 

Thank you.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX XXXX XXXX. This account and debt should have been ceased as of XXXX XXXX XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : NAVY FEDERAL CR UNION XXXX
Consumer complaint received 2023-01-20
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. (WV)

The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX FIN Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone XXXX please validate as I believe you are in violation of my rights XXXX XXXX Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation
Consumer complaint received 2023-01-15
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)

I still see XXXX XXXX on my report after I said I had no knowledge of this and I didnt do it. My score a month ago was XXXX now its XXXX and I didnt see any new items causing it Ive requested proof of what made me loose a XXXX points and I still have not received anything this is a big deal also I had my credit frozen so for it saying a new card account opened four months ago how so its frozen and I received no notification alerting me and I still dont see the new account that supposedly was recently opened
Consumer complaint received 2017-11-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I 'm XX/XX/XXXX I filed a dispute with XXXX, Transunion, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

In 2010, I had an account that closed with this company that was paid off completely with both XXXX and Victoria Secret. About a year ago I was offered the opportunity to open a new account with Victoria Secret that is current on all payments. The old accounts are still showing as closed on my credit report even though we have a new relationship.
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (NJ)

All credit cards were closed in XXXX. Any charged off debts too. I battled XXXX 2x and closed all cards. My attorney at the time was mr XXXX XXXX. XXXX passed away in XXXX. He told me to always protect what he did for me. I was a XXXX patient at XXXX and remain for rest of my life at XXXX XXXX XXXX of NJ. This is not the 1st time in 10 years now 13 that XXXX XXXX purchased charged off accounts. In this case XXXX XXXX. They were paid thru my attorney many years ago and must cease and desist. Please remove my name from any further info. They also failed to give amount or account number and I too never heard from the creditor once the account was closed. Please cease they are going too far. If you call the XXXX XXXX XXXX XXXX it goes to an 800 number for a company on pacifuc time zone called MCM. I can not be harassed nor garnished from XXXX on debts closed and settled. It must stop!
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (TX)

I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies ABLTY RECVRY Account Number : XXXX XXXX responded to my letter with a removal. XXXX and XXXX have sent responses stating the item was verified correctly 15 U.S.C 168 s-2 ( A ) ( 1 ) A person shall not furnish any 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 2024-03-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I paid all balances for services off on my PayPal Credit and they are still saying I have a balance. I talked to someone amd they said charges were wrong amd there fault and that they will resolve and take off all charges and fees for interest. The call was recorded amd the woman I spoke with spent an hour with me on this. They are saying now they have nothing showing that. I was told I didn't have to do anything else and all charges were removed. They have now reported to credit bureaus amd its affecting credit. This has never happened to me. They are calling and emailing daily amd harassing me. I want this off my back. It's so wrong how much time I've spent trying to resolve this especially after finally feeling relief it was resolved amd someone helped me. Now they are acting like that never happend. This is not ok and I'm not paying after I was told it was there fault and said all was resolved. Please help!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Verisk Analytics Inc (MD)

I understand that it is my right to obtain a copy of my XXXX XXXX XXXX report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX XXXX XXXX report sent to me via mail.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, two unauthorized transactions charged on my Bank of America credit cards, both from a gas station. Around same time, fraud transactions happened in several of my credit card and Bank of America card was one of them. I received a BoA security alert questioning the authorization of these transactions, to which I responded with a 'No. ' However, the transactions still went through. Immediately, I initiated fraud claims and replaced my credit card. After XXXX days, my claim was denied by the bank, with the reasoning that they believed I made the transactions without providing any supporting evidence. I requested a reconsideration but have yet to receive any update as of XX/XX/XXXX and the payment for these transactions are due.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION (FL)

I keep receiving credit alerts regarding an outstanding balance on a Navy Federal credit card that I was added to as an authorized user by my sister. Whenever I call the automated system or try to establish an account online, the system says it can not verify me with my social security number and date of birth. However, the bank representatives can pull me up with that information. Today, I visited a Navy Federal branch in person, presented my identification, and was advised that the account was closed but has an outstanding balance. However, the credit bureau only indicated that payments are late on an open account. The representative in the branch also stated that I am liable to be garnished if the bank needs to collect the outstanding balance. However, the branch representative was unable to give me access to the online accounts. I followed up later today with XXXX and XXXX by phone requesting access to the credit card account and assistance with creating an online account to obtain statements or copies of the information that is being negatively reported to the credit bureaus. Both representatives refused to update my contact information in the system or help me establish an online account so that I could access the information being reported to the credit bureaus.
Consumer complaint received 2022-12-30
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. (LA)

On XX/XX/2022 I sent a letter to Equifax advising them about several inquiries that was not authorized on my credit report. Equifax received the letter on XX/XX/2022 at XXXX, I also completed a Identity Theft Report and attached it here along with the letter with the unauthorized inquiries listed. I also sent a copy of my state ID and proof of residence to Equifax and attached it here as well. 

Please delete all inquiries please immediately.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} Medical XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (KY)

Regarding COMPLAINT ID XXXX, the issue remains unresolved as I have yet to receive any statement or evidence verifying the existence of the debt. The original letter I received stated that " XXXX XXXX XXXX XXXX  '' does not appear to exist. If Wakefield can not provide any company information or furnish a bill statement to substantiate the debt claim, I kindly request that all further calls and mailings cease, as they are causing unnecessary disturbance.
Consumer complaint received 2023-02-11
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: GOLDMAN SACHS BANK USA (TX)

I contacted Green Sky Installment about an unauthorized hard inquiry made on XX/XX/2022. Green Sky Installment informed me that XXXX  by XXXX made the inquiry. XXXX by XXXX only had authorization to submit a soft inquiry, this inquiry by XXXX by XXXX was not authorized. I have contacted all involved institutions but Green Sky Installment will not remove the hard inquiry. XXXX by XXXX has not contacted me. I have asked the reporting credit bureau to remove the hard inquiry but they will not because Green Sky Installment must contact the reporting credit bureau for removal.