davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IN)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against U.S. Bank for their failure to resolve an issue regarding funds from a closed account. For over two years, I have been trying to obtain the money owed to me from this account, but despite my numerous attempts to resolve this matter, U.S. Bank has not provided a satisfactory resolution. Below are the details of my complaint : Issue Summary : After closing my account with U.S. Bank, they issued me a check for the remaining balance. However, the check has never been cashed or deposited. I have repeatedly requested a replacement check or an alternative means to access my funds, but U.S. Bank has refused to issue a new check. 

Communication History : On XX/XX/XXXX, I received an email from their social media customer service representative ( XXXXXXXX  ), stating that such requests from another bank could take up to a year. This was already over two years into my waiting period with no resolution. 
The representative offered no timeline or proactive solution to address my concerns. 
Impact : This unresolved matter has caused me significant frustration and inconvenience. I have waited far beyond a reasonable timeframe for a simple replacement check, and I feel that my concerns have been ignored. 

Desired Resolution : Immediate issuance of a replacement check or an alternative method to access my funds. 
Clear communication regarding the status of this issue.

Assurance that this matter will be resolved promptly without further delay. 
I appreciate your assistance in investigating this matter and holding U.S. Bank accountable for their lack of response and resolution. Please let me know if additional information or documentation is needed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I have XXXX promotions with deferred interests expiring on XXXX XX/XX/XXXX and a Balance Transfer Check with no interest until XX/XX/XXXX. I noticed that my minimum payment was applied more to the promotion expiring in XX/XX/XXXX than to any of the promotions expiring within 30 days. When I called to reallocate the payment towards the promotions expiring within 30 instead of the one expiring in XX/XX/XXXX, I was told they couldn't reallocate the payment because it was locked. 

Upon review of my statements, it doesn't appear my payments have been applied even to the notice within my statements, which reads impart on page 2 of my statement : " Paying Interest .... In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account ... .. '' I've been told over and over by many account specialists that payments must be applied to expiring promotions within 30-60 days first to avoid unnecessary interest. I'm being told that, but it doesn't actually seem to be happening automatically, unless I call. This is the first time I was ever told I couldn't have a payment reallocated to expiring promotions because they were locked. 

I spoke with XXXX, an Account Manger today, after two other reps, and she said my Balance Transfer check promotion has a minimum payment due, however I don't see that anywhere on my statements. In reviewing my statements though, I do see that my payments have been allocated willy-nilly and in a manner to which more interest than necessary can be calculated, which is what payment allocation guidelines were supposed to prevent. The Balance transfer checks applied a service fee upon use, and no interest until the promotion expiration date, so why would they say a minimum payment is due for that promotion, but it doesn't show that on my statements? My other promotions with a deferred and accruing interest show minimums due. 

I'm attaching my Credit Card Statements. Notice how Home Depot another Citi Retail Services card handles interest awareness and promotions. They indicate exactly how much to pay to avoid interest charges especially including promotional purchases.
Consumer complaint received 2024-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (IL)

they claim i owe a debt but they have yet to verify the debtshow me proof of ownership that authorizes for them to collect this debt.full account history with transactions and statements.a copy of a signed contract or agreement that says im obligated to pay this debtand their licensing and registration information as required by the relevant state and federal laws.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2018-01-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My complaint is against the credit agencies, XXXX, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.
Consumer complaint received 2024-11-05
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. (NY)

When I checked my credit report today, I was shocked to see accounts listed that just dont belong there. I review my report regularly, so I was completely taken aback by these sudden discrepancies. I thought it might be a glitch, so I refreshed my browser, but the inaccurate accounts didnt disappear. This whole situation has been distressing, and Im requesting that my documents be carefully examined to prevent this from ever happening again.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (WA)

I previously had a fraudulent credit account with Wells Fargo, but I successfully removed it. On XX/XX/year>, I became a member of Wells Fargo for the first time, opening a checking account and completing all the requirements for the {$300.00} bonus offer. The bonus offer code is XXXX. 

I believe I didnt receive the bonus automatically because your system may have flagged the fraudulent account that was previously opened in my name. However, that account has already been removed. 

During the first month, I contacted your phone support multiple times, but each time, they refused to assist me. As a result, I made an appointment at your branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, on XX/XX/year>. During this visit, your employee filed a dispute regarding my bonus offer and promised to follow up with me within 10 working days. Unfortunately, I never received a response. 

Although the 90-day period for receiving the bonus has now passed, it is not my fault. I made numerous attempts to resolve this issue through various channels, and I kindly ask you to take this into consideration when reviewing my case.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. 
Account Number : XXXX Im demanding a debt validation : According to 15 USC 1692 g Copy of contract with my signature that I sign on for this debt Copy of payment history from the original creditor show my payments. Name and the address of the original creditors Proof I own or assigned this debt
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Federal Trade Commissions identity affidavit. Please delete the items as soon as possible. 


Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allegod identity theft, not later than 4 business days after the date of receipt. 
It has boen 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL. 
Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-11-06
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. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OLD NATIONAL BANCORP (FL)

I got a call on or about XX/XX/year> who left a voice mail : Good morning my name is????? and this urgent message for ( my name ). My office is trying to reach you in reference to a formal complaint that's about to be filed against you regarding case file D A ( random numbers ). In order to receive assistance and address this matter, it is important to contact the firm handling file at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then calling in reference to file Please be advised this call has been logged and is proof you were notified of this matter and failure to respond or result in the firm moving forward without consent again that phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ignored the call thinking it was a spam until my son called me to inform me this company had called my ex-husband trying to contact me. So I returned the call. They knew all of my informationi, had my SSN, address and email. So I asked politely who they were. They said XXXX and XXXX XXXX XXXX. 

They said that I had assists valuable enough to go through with pursuing a lawsuit against me : a home, vehicle, ect. 

They said I had an over {$6400.00} debt to Old National Bank from an account that closed nearly XXXX  years ago and needed to make a payment right now to avoid being a lawsuit and that they had served me at my current address, which I advised they I had not received any notices. Also, if I did not pay this now I would be served the next day. They offered me discount if I made the payment that day, which was {$2300.00}. Or I could come up with a partial payment and commit to a payment plan and pay the original total amount due. 

I asked for documentation of this debit and was told they did not have the document and I would have to go through the bank. They continued to harass me for payment with the threat of a lien on my car or house and/or jail. I am a XXXX XXXX on XXXX with limited income and several health issues. I was afraid and paid the amount. They also told me it would be reported to the credit bureau as paid in full. I did ask them why this debit was not on my credit report. I was told " I can not answers ''. Then I talked with my son and his girlfriend works for the bank in question and said it was a scam. I looked on line only to find a complaint with exactly the same threats on XXXX. This person also stated that telephone numbers on line do not match the firm. 

The more I thought about it, this made my sick to my stomach thinking I was scammed. I contacted the Better Business Bureau on XX/XX/year> and filed a complaint. My case is now closed as an " UNANSWERED '' complaint in their file. They had made several attempts to contact the business regarding the complaint, with no response. 

I am asking for your help with this matter. 

Thanking you in advance.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Recently checking my credit report I noticed inquiries that I had no knowledge of - Here are the inquiries I found. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian for their posting of incorrect information provided by XXXX Card. This action has resulted in an unjustified immediate drop in my credit score by over XXXX XXXX 

XXXX has failed to resolve a billing dispute, filed in XX/XX/year>, within the legally mandated 90-day period, in direct violation of the Fair Credit Billing Act ( FCBA ). Despite this, XXXX has fraudulently reported this unresolved dispute to the credit bureaus, including Experian, causing unwarranted damage to my credit score.

Pursuant to 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$72.00}, nor any associated fees. Consequently, I demand the immediate removal of all erroneous and fraudulent information from all credit bureaus, including Experian. 

Failure to comply with this demand will result in further legal action, including claims for damages due to the impact on my credit score and the financial harm caused.