davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (WY)

I am in North Carolina identifying site for new center that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. I was referred to a business banker, we spoke and seemed polite, provided link to upload, and then I had an appointment the following Wednesday. I followed up on the Monday prior to ensure no new information needed as I have an urgent RFP I'd like to submit and need new banking for compliance. She stated she would not be meeting with me or opening an account, no details. Also claimed she called me, I had no voicemails until I escalated the matter. I pressed on reasoning why, she just kept stating 'I was a fraud '. I asked repeatedly what specific concerns so I could address, she finally stated due to out of state DL ( I'm evaluating the area to open another site, of course I'm from out of the area - expires in 2030 ) but she refused. I asked to be escalated, following Wednesday the bank manager called to inform me during due diligence they noted the business registration had been dissolved ( I had advised of the clerical error in XXXX and that was already resolved, and had include certificate of good standing with my documents submitted, proactively and included these details in my initial communication. ) But he was the first person to tell me that was 'their ' reason ( although by time banking was being opened, it was resolved, hence certificate of good standing ) and then went on to say, " we wouldn't be a good fit for their 'conservative " bank ''. As a minority business woman, I can only read this one way. I've since found out, this is common practice in this region and why so few women have been successful in their ventures, I also know they have pending internal discrimination case. I would not give them my business, regardless, but someone has to take a stand to balance these scales, as this is one of the known barriers. I've successfully launched many operations in my career, even working for XXXX XXXX at one point, I know what I experienced violated my rights, not every women striving for a better life may be aware. I am filing this complaint so we get to root of these issues and find common ground, as this is humiliating and holding us all back.
Consumer complaint received 2024-10-18
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. (IL)

I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. I am filing this report in hopes to get these accounts taken off my credit.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (TX)

I have 2 loans from the Missouri Higher Education Loan listed on my XXXX report. 
I did not request these loans and they do not belong to me. 
I have opened a XXXX  complaint, left a XXXX review and tried reaching out by phone on numerous occasions and can not speak to anyone. 
I disputed the items on my credit with no response as of yet. 
MISSOURI HIGHER EDUCATION LOAN Account Number XXXX XXXX Amount {$1700.00} MISSOURI HIGHER EDUCATION LOAN Account XXXX XXXX XXXX Amount {$3000.00}
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

Amsher collection agency is attempting to collect a debt that doesnt exist. I have called AMSHER 3 way call with the original account holder of supposed debt XXXX XXXX on the phone with me two times to verify that the debt is not due and to remove. They still continue to attempt to collect while on the phone 3 way calls with XXXX. XXXX telling them this is not owed while telling me and XXXX only way to remove the debt, I have to pay or negotiate on a debt not owed. I am going to be forced to pay Amsher because this is messing up my ability to purchase an home. I feel bribed or bullied and dont know where else to turn. Every credit bureau has removed except XXXX with supporting documentation. I have disputed and removed as they are violating FCRA REQUIREMENTS RULES AND GUIDELINES. T-Mobile has been great and tried to help. My account is supposedly with the Amsher Attorneys office When I call. The lady at Amsher who answered extremely nice but cant or wont help me. I have proof of returned equipment and letters from the office of the president of XXXX SAYING I DO NOT OWE. Amsher with the hundreds of calls I have made to them weekly the lady who answers knows who I am. They wont even reach out to XXXX to verify. They just want my XXXX bucks. The debt is not worth the time. I dont get it but I need this incorrect information off my credit. My family has been affected by hurricane XXXX. This is how this all started and This negative account wont let me get a mortgage after the hurricane and I need a new place to live with my children. This is beyond fraud and wrong on so many levels. T-Mobile has been great and corrected error immediately and now this is out of their hands. I need someone to look into this fraud and Amsher, This is against the law I am sure and a attorney would cost more then the debt owed.
Consumer complaint received 2024-11-07
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FRESNO CREDIT BUREAU (CA)

In XX/XX/XXXX I discovered a collection on my credit report from XXXX and XXXX. I reached out to credit bureau usa. They told me that XXXX XXXX XXXX  sent them info on debt owed. I left XXXX XXXX XXXX. in XXXX of XXXX due to a major roach infestation that persisted over 3mths. After many work orders and phone call about the problem. The apartments never got rid of the roaches they used sub par pest control services and spent months at a time intermittently scheduling exterminator. The problem persisted I had practically abandoned my apartment until finally XX/XX/XXXX I gave notice to move. I moved out XX/XX/XXXX. I was a mth to mth tenant I left due to the negligence and uninhabitable circumstances. The collection agency therefore sent inaccurate info about the issue. My name and address incorrect. Charges were fraudulent and incorrect. Had a {$1500.00} security deposit that I used for rent XX/XX/XXXX thru XXXX, and cleaning exp. They made up a rent increase, didnt provide receipts and are not being accountable for the neglect due to roach infestation for over 3mths. As a result they have damaged my credit with this collection and claim that I owe {$1000.00}. This is in valid I have more proof docs and info if needed not able to upload at this time. XXXX XXXX XXXX and creditors bureau usa have incorrectly spelled my name on legal docs therefore this is not a debt I owe. Also, I have emails showing XXXX XXXX  accounting errors all of this was provided to Creditors.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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.

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 reporti
ng 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.

Equifax 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 2023-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd. (CA)

Debt collector called this morning on behalf of XXXX XXXX XXXX( XXXX? didn't know how to spell her own name, first spelled it with an XXXX then a XXXX I had to ask her to spell it multiple times, she didn't even want to give the name. I think she changed the last name too. I'd want to check the recording. ) given spelling was " XXXX XXXX '', No debt collector license number, said she holds no license. called at XXXX to harass me in violation of cease and desist and the ongoing fraud case and bankruptcy. hung up on first call since I was very rude since she called me while I was writing a complaint about XXXX and was in no mood to be harassed, I called back. she denied things that she has no basis to deny. ( no one owes you money. no one broke into your home ; she would have no way of knowing, and yes they did. police report and contracts show they did ) lied about things etcetera. Very very inappropriate and irritating call. I asked to speak to a manager, waited for 20 minutes, no manager available, will call back at XXXX pacific. ( XXXX now ) as the manager is in a " meeting '' but was told to call back at XXXX eastern. cease and desist.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (NY)

I reviewed my credit report from XXXX XXXX XXXX and I saw that you have recently began to report me 30 days late on this account : XXXX XXXX XXXX XXXX XXXX 

I also stated that I have previous credit reports from the Credit Hero Score that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 

My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me. I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (FL)

This company Enerbank started contacting me I think sometime in XX/XX/year> stating I owe them {$11000.00} which I had no knowledge of I disputed this account several times and it keeps reporting on my credit reports
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (VA)

Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their website In XXXX ( {$500.00} ). Despite meeting all the requirements specified in the promotional descriptions, I have not received the {$500.00} as offered by U.S. Bank. To provide a comprehensive overview of the situation, I have attached the relevant document for your reference. It confirms that I opened my new account within the specified timeframe in XXXX, well within the 30-day window. 

Moreover, this bank statement displays my U.S. Bank transactions, demonstrating that I deposited an amount of {$5000.00} on XX/XX/year> and an additional {$5000.00} on XX/XX/year>, both of which exceed the minimum deposit requirement of {$10000.00}. Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. 

I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been over 3 months since I fulfilled all the requirements, and the bonus has still not been credited to my account. I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. 

Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$500.00}. I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Moreover, I have submitted the same claim before and that claim has been closed. However, I still did not receive the company 's response and not able to make the call. Here is the complaint ID : XXXX. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (WA)

I purchase from XXXXXXXX XXXX a order XXXX for GooseCreek Candles with my XXXX XXXX XXXX Credit Card for {$140.00}. 

I cancelled the order in XXXX as I never received them before XXXX. XXXX XXXX never got back to my emails either until now. Synchrony Bank ( credit card ) has not refund me any money back on my card, or XXXX XXXX gift card. 
I have called and emailed several times. 
XXXX XXXX and Synchrony Bank and XXXX XXXX is doing nothing and says they will look into the matter and never does. 
I really want a refund back for XXXX  I did not receive.
Consumer complaint received 2024-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

Purchased a XXXX from us auto sales in XXXX XXXX then all dealerships completely closed I was advised by dealership I could refinance the vehicle after a year but locations were all shut down. I am paying over XXXX a month for a used XXXX XXXX XXXX and still theyre saying I over XXXX I see they have a lawsuit being so many are going through the same thing. I no longer want the car I just want I am having issues with the vehicle that is also costly..I asked westlake portfolio management if I could pay it off with no interest they said its only taking a XXXX off of the balance with no interest which I am totally confused on that but at this point I just want the car off my credit and to be done with it
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (IL)

A Debt validation letter was sent to H & R Accounts on XXXX XXXX, 2022. They were given 30 days to validate the debt they are showing on my credit report. They did not respond. As they were unable to validate the debt, I am requesting that the collections be removed from my credit report immediately.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC (CA)

In XX/XX/2023 I attempted to transfer money from my credit union to Etrade. I was distracted so accidentally did not verify I had enough money in the credit union account to make the transfer. 

When the credit union saw my mistake they charged me a fee and that's it. 

When Etrade saw my mistake they charged me a fee and put a hold on my account. I have been trying ever since to lift that restriction. I have tried 4 times, the last time being XX/XX/2023. They will not lift the restriction until I send them a photo of my drivers license ( done ), a letter explaining that I want to withdraw my funds and close my account ( done ), and a copy of my bank statement from my credit union. I seems illegal to me to have to provide private personal account information from another financial institution in order to close my account! This is my complaint.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

TRANSUNION 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!

Update the late payments from my consumer reports