davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (TN)

I opened a Checking account with SunTrust Bank on XX/XX/XXXX online. I was told I would need to go to the branch office to make a deposit and get my account number, etc. On XX/XX/XXXX I went to SunTrust -XXXX Branch in XXXX , Tennessee and deposited {$500.00} cash. They gave me a card with their routing number and my account number. 
When I got home, I went online to set up my Bill Pays. I set up 5 and they were all successful and paid. I also ordered checks online for {$23.00} or so. 
On Tuesday, XX/XX/XXXX I tried to logon to my account and it said, access denied. I called Customer Service and was told that my account had been closed. I asked, why and I was told it was because of Rules and Regulations. I asked what that meant, but no one could tell me. 
I called XXXX, Assistant Vice President at the XXXX Branch and told her what was happening. She said there was nothing she could do. She did not know why they closed my Checking Account. 
During the following days I continued to contact Customer Service to see if they could tell me anything. Somewhere during my phone calls, I was transferred to the Fraud Department and spoke with a representative and once again told my account was closed due to Rules and Regulations on page 23 which says they can close my account. I asked to speak to a supervisor and then spoke with XXXX. She too gave me the same answer. She said I would receive a letter within 10 days advising of the closure. I asked her if the letter would give me the reason ; she said no. 
I asked her when I would get my money back from the account. She said around 20-25 days. 
After hours of talking with many representatives of SunTrust, I was getting nowhere. I explained to them that if fraud was involved, I needed to know asap since I had my identity stolen in XX/XX/XXXX, have been affected by the XX/XX/XXXX XXXX   Data Breach and I needed to straighten out the information. I finally called the Account Security and Claims at SunTrust on XX/XX/XXXX and they gave my information to the investigators and gave me a Case # ( XXXX ). The investigator was to call me that afternoon or this morning, XX/XX/XXXX. I have heard from no oneonce again. 
In the meantime, I have received my debit card, emails with promotions as if Im still a customer. 
Since this has happened, my credit scores have gone from over 600 to now at all 3 bureaus to XXXX, XXXX and XXXX. And this is just in a week. Does this have anything to do with SunTrust? I dont know. I have had over 17 inquiries from companies I dont know. 
So why, SunTrust did you close my account. I believe I am entitled to know.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. XXXX XXXX XXXX , XXXX have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
If you can not provide any agreement between us from this day XX/XX/XXXX  forward, you agree to pay my fee of XXXX usd for contacting me without my written consent. I will also file harassment and identity theft charges. 
Please delete this account immediately from all three credit reporting agencies.
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

I was shopping for a couch at Raymours and Flanigan and got approved a card to pay off the couch in 12 months with a 0 % interest. I took advantage of the promotion and paid off the couch in 7 months. Later on in the year I noticed a negative tradeline on my credit report from Raymours and Fanigans. It was and still is reporting a charge off with a balance of {$310.00}. I have kept all of my receipts and the contract of sales. I will attach said documents to the report. There you will find that I completed my obligations to the debt and this company should not be reporting this information inaccurately to the credit reporting agencies.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

On or about XXXX of 2019 I contacted CIT Bank about 2 large IRA 5 year CD 's I had coming due in both XXXX and XXXX. I wanted to both negotiate renewal and combine the CD 's at either CIT Bank or another institution of my choice consummate with interest rates and terms offered. I was informed that CIT Bank would notify me by email and USPS mail with the terms and conditions of renewal and allow me to change them if necessary. I explained that given our intense schedule it was important I be notified in a timely manner as my Wife is a 25 year XXXX American Veteran being supplied with a Military Service Animal and we will be out of the country late XXXX to Early XXXX on a Transatlantic cruise. During our cruise I had Internet access and did not get any notifications from CIT. I check my Spam daily to prevent missing anything. I also am signed up with USPS Informed Delivery which provides me with an image of every piece of USPS mail I get in my box daily. For a period of 60 days I received no mail from CIT Bank at all. When we returned from our trip I checked the 2 accounts and they were auto renewed for 5 years with an interest rate reduction from 2.42 % to 1.74 %. I called CIT Bank and they verified both my email and street address and they were both correct. They claimed they mailed a renewal form and never got any return mail. They only offered to cancel the CD 's with a significant penalty as the total almost {$39000.00} combined. I escalated to a Manager who only offered to reduce the term to one year at 2.20 %. I explained I have an offer with another bank of 5 years at 3.50 % and I want them cashed in with no penalty. I informed them if they want to reduce any accrued interest already earned from the maturity dates to their lowest rate I was OK with that. They refused. They stated my 3 choices were pay the penalty, withdraw the money as an IRA early disbursement and pay the taxes or accept the shorter term. All 3 are unacceptable. Attached id an XXXX statement I got online. It is one page and shows balances only. There is no attached notification of renewal, penalties or requirements even though the statement is dated 8 days prior to the first renewal. Can you assist me in this matter?
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I was in the hospital for an extend amount of time. before my stay in the hospital I made sure that my account was active and that no charges would go though on the account. When i was gone various charges where made by one merchant, XXXX which bypassed my instructions to not give me any overdraft protection and deny and charges when funds are not in the account. XXXX transaction are not covered because it was a ACH transaction and the protection that was given was only for credit card charges and this was not explained to me. Now I have over {$200.00} in fee 's on my account.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

On Monday XX/XX/XXXX I received an email with the following offer : " Open a Citi Accelerate Savings   Account with this exclusive offer Get started with : 2.36 % Annual Percentage Yield as of XX/XX/19. 
Plus, you can earn:10,000 XXXX XXXX AAdvantage bonus miles with required activities. '' The required activities were as follows : Earn XXXX AAdvantage bonus miles in two easy steps : 1.Open a new Citi Accelerate Savings Account with no limit on earnings. 
2.Use the Citi Mobile App for XXXX and log in to your new account at least two times within 30 days of opening your account to earn the XXXX AAdvantage bonus miles. 

I opened an account through the link provided in the email as I was instructed. I funded it and I made sure to download the app and check it multiple times, way more than the two times required because I wanted to make sure I qualified for the offer. 

I then called Citi to inquire on XX/XX/19 and was told that no such offer existed. I asked to speak with a manager who put me on hold and then came back with the same answer. I told them I was looking at the email with the offer terms as we spoke. I asked for an email address to forward the email as proof of the offer. She wouldn't give one out. I asked to transfer my call to whomever handles these offers. I was informed it was " the promotions department ''. I asked to be transferred to the promotions department and was told that they wouldn't accept my call. 

I was told I could open an inquiry and I did so. I received a letter in my account messages stating I didn't qualify for an offer that was completely different from the one I had originally inquired about. 

I feel completely misled by these bait and switch tactics. I did exactly as I was told to qualify for the offer and I would like my XXXX American  AAdvantage miles.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (TX)

XX/XX/XXXX : Purchased a part for my XXXX machine from XXXX XXXX. Paid by credit card. 
XX/XX/XXXX : I received my receipt via email for above purchased item. 
XX/XX/XXXX : I found an {$1100.00} charge on my debit card. I tried to contact the company that charged my credit card but was unable to speak with anyone. I called my bank, told them the {$1100.00} was not an authorized charge to my card. 
XX/XX/XXXX : I received a invoice from XXXX via email. I saw this and dismissed as a scam. 
XX/XX/XXXX : Again received an email from XXXX and again I disregarded and deleted the email. 
XX/XX/XXXX : Another statement and it was deleted. 
XX/XX/XXXX : Another statement and it too was deleted. 
XX/XX/XXXX : I received a letter from State Collection Service requesting {$1100.00} on behalf of XXXX. I spoke with the agent from State Collection Service. I told the I never ordered anything, I never received anything and I was not going to pay. I tried to contact XXXX via phone with no luck. 
XX/XX/XXXX : I was alerted that a negative/derogatory remark was added to my credit score. 
XX/XX/XXXX : I contact XXXX to dispute this alleged purchase. After a couple of weeks I receive a letter from XXXX with the results of the investigation. They verified the action as accurate with no other explanation of how the action was validated.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. ()

I used to live in XXXX I leased XXXX car my payments used to {XXXX}, never missed a single payment. I then moved to XXXX, sale tax has increased by XXXX dollars. I did not receive any note or letter or notification asking me asking to pay XXXX dollars more a month. XXXX continue to make payments for XXXX} via automatic debit, XXXX continued to debit $ XXXX month.I XX/XX/2017 I was shocked that I was reported for late payment even though I always paid the XXXX via automatic debit, XXXX stated that I had to pay {XXXX} ie XXXX dollars more.It would have been easy for me to pay the XXXX had I known about it. Have never in my life missed a payment. I believe that this is unfair practice since any logical person can realize if I am paying {XXXX} i could have easy been able to pay the who {XXXX} had I known that this my about due .I never intended to delay in payment just dd not know. When I new form my credit report I immediately pain the deference, I beige is unfair to label my credit report with late payment where I clearly paid the money ( XXXX ) every month via automatic debit, for very brief time the amount was XXXX dollars short just because I did now. I contact XXXX XXXX they wot even talk to me and refused to work with me on that. I disputed this but was unable to change this.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank reported me 1 time 30 days past due XX/XX/XXXX. My account was not past due. I authorized payments, post dated payments for XX/XX/XXXX and XX/XX/XXXX to an agent that I spoke with on XX/XX/XXXX. I advised the non-english speaking agent that I would like the payments drafted out my account on the dates. All previous payments had been made over the phone and I had never had any issues. XXXX XXXX advised me of the over 30 on my credit. going forward I will initiate my own payments on the portal so that I will not have this issue again. This is a violation of the TCPA, FDCPA, and FCRA. Please remove the negative reporting that was caused by Comentity bank.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-16
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: Experian Information Solutions Inc. (MO)

Experian has drastically dropped my score for no reasons my car loan was paid off XX/XX/XXXX it dropped my score from XXXX to XXXX a new account hit it dropped three more points XXXX reported my card stolen it dropped 6 points in now at a XXXX as of XX/XX/2019 they only do this to XXXX consumers I my score should have went up from paying off my car loan not dropped 25 points. Experian is full of XXXX and need to be fined for improper abusing of credit scoring and reporting.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Business & Professional Collection Service Inc (NV)

On XX/XX/2019 I received a call from my mother XXXX XXXX that a debt collection agency called her about some debt that she had but that I own on a debt collection thats showing under her. She asked what is it for XXXX XXXX  she said she has auto pay on it. They asked if she recognizes the address XXXX XXXX XXXX XXXX she at first said not then they ask its under XXXX XXXX XXXX she said that it was her son then they told her the amount of it. She send me the phone number the XXXX XXXX. I called and she stated first that she spoke to my dad and that my dad confirmed it was him then said that it wasnt it was hes son. Then I asked why did this come under my moms information she said thats how it was send. So I told her we have different names different birthdays. She answered by it was no energys fault so i let her know I will call XXXX. I called XXXX  they confirm the Ssi number attached to the acct and its mine and the phone numbers on there which are my phone number and wife and the name on the acct which is only mine as well they dont know how they would get confused. I called my parent to ask my dad why did he say it was him then say no they said that my dad never talked to them. So I called back XXXX to get information of the collection agency and her information cause this information should have need been released to my family members and to make sure that these conversations where on a recorded line.
Consumer complaint received 2019-05-17
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. (MI)

I disputed this account with Experian and XXXX twice due to concerns that I never had account with XXXX XXXX and they failed to verify this information with a signed contract. I have never received a bill or a contract that says that I need to pay this debt nor have I signed anything for agreed to anything regarding this account. 

To date Experian has not been able to validate that this account is even mine. I have tried to dispute this account multiple times in hopes that they would comply with the Fair Credit Reporting Act and I have been unsuccessful in my requests for them to validate this account. 

I have also tried to dispute this account with XXXX and have been shoved to the side and not attended to. XXXX   has not even replied to my dispute and request to validate this erroneous account.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent Transunion two letters disputing the information that they are reporting. I sent my first communication to them onXX/XX/2018 I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Patient Accounting Service Center (TX)

On XX/XX/19 @ XXXX, XXXX called my phone number re : my acct. I have been making the required monthly payment. The rep advised they were offering a discounted price to be made in 2 payments. I thanked her but said I couldn't do that now. I wanted to keep my payments the same. The rep started naming my debts and a credit limit on my credit card. I repeated that I wanted to keep the same payment as that was all I could do. She insisted on increasing my payment amount. She began talking about my husband 's income and said, " Well that's an awful big chunk of money for you to not be able to pay more on this account. '' I then told her that was none of her business what my bills were and what all income we had. I stated that I'm paying on XXXX kids college loans and she said, well we all have college loans that have to be paid for books and things. She would not leave me alone about my payment. She said I didn't need to get angry but I told her she was harrasing me and she began talking in a patronizing voice. After many times of me telling her to leave my payment where it was and she kept going, I had to hang up on her and block the number. I know that the call was recorded and all of the information can be verified and it was stressful for my daughter who was in the car hearing it all.