davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (PA)

US Bank is not a trustworthy nor honest institution. They should be investigated by the Federal Consumer Protection Agency, Federal Reserve and the FDIC for screwing hundreds of hard working Americans like me. Here 's how they scammed and shysted me : First they bilked me monthly for what they call a processing fees, which are actually hidden monthly service charges on a maintenance free account, Their customer service is designed to dissuade callers from getting any recompense. Now that I no longer needed such a bank, I wrote a {$24000.00} check to clear my balance, money I needed to pay for my departed brothers bills. US Bank cleared the check, so I took my money out of my local honest bank. Then later US Bank bounced my good check back for no legal reason, only in my opinion because some greedy banker of theirs wanted to keep my funds longer than the many months they had without cost to them. Not only did this one sided ruse cost me a bounced check fee, I had to pay bank loan fees to settle my debt. Now after XXXX calls to get this resolved, their open ended promises that a banker would call me never happened. US BANK DOES NOT CARE HOW THEY HURT PEOPLE. I went though a lot of anguish and lost sleep over this and I've still not settled with the crooks. US Bank owes me now, with interest and fees, {$24.00}, XXXX to date and counting, and am requesting they pay me now with a GOOD cashiers check by XXXX  XXXX.
Consumer complaint received 2024-05-31
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. (HI)

In accordance with The Fair Credit Reporting Act convergent ( XXXX ) ( XXXX & XXXX ) XXXX5 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XX/XX/year> to XX/XX/year> 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. 


AMEX 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XXXX XXXX XXXX XXXX XXXX  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.

AMEX 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 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (AZ)

I graduated from school XX/XX/2023, and applied for XXXX program for my loans. I have 3 loans, 1 in deferment, 2 say I'm still " in school ''. I've been reaching out to Edfinanical to fix this and take me out of in-school status, so I can consolidate my loans and go into the XXXX program. I have been reaching out to them multiple times via calling and email since XXXX. No one ever picks up the phone, the wait times are ridiculous like 500 minutes, and on the rare chance that I do get a callback, my request only gets forwarded without any response. It has been two months and now there is interest accrual which is getting capitalized from XXXX, and still going in XXXX. There has been no reply, I have not been able to consolidate my loans and go into active repayment and into the XXXX program.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I set up a recurring payment plan with Bank of America credit card. The payment is due on the XXXX day of the month. I asked the agent at Bank of America on which dat I should send in the payment. I was told that since " ebilling '' I should send the payment on the XXXX of the month. I continued to do this until XXXX of XXXX  and I was billed a {$40.00} late charge. I called customer service and was told that the payment was not processed until the XXXX of the month and was assessed the late charge for this. This is an absolute scam. I was then told that Bank of America does not process payments on weekends and if the payment arrives on a Monday, it is not entered until Tuesday.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XX/XX/2023 to XX/XX/2023 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. 


AMEX 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 2024-07-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received this prepaid Amex gift card from my former company, XXXX, as part of a performance reward. 

Card was issued under my name, and sent directly to my address via postal mail. 

I called to activate and confirmed the full card balance is available to spent on XX/XX/2024. Thereafter, I've tried to purchase an XXXX XXXX deal in the evening of XX/XX/2024 using this card and payment was declined. Iwent in to reverify and confirmed the gift card payment detail again and got another rejection XXXX days later (XX/XX/2024 ). I then proceeded to redeems via
XX/XX/XXXXgift card reloading approach to exhaust the Amex prepaid gift card balance and got several payment declines
. These attempts were made directly via XXXX website. Attempts were made for various reload amounts. I've also tried spending this Amex prepaid gift card directly at my local XXXX store, for a roughly {$12.00} grocery, and payment was rejected. 

I did a XXXX search and it seems like many people have reported having this problem starting this past year. 

I also wanted to share on the difficulties in checking the prepaid gift card balance. Ease of access for the full transparent details of the transactions -- pending or posted -- is non-existence. After waiting for XXXX hours -- and even XXXX days later -- I am still unable to check my gift card balance directly via the company 's website. Never had such difficulties with redemption and the balance check issue with the previous XXXX Amex prepaid gift cards that I've received from XXXX before.
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NC)

I recently checked my credit report and noticed some in accuracies. I turned in the equipment and the company is charging me for the equipment which is illegal. 

THE CBE GROUP Acct XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX, XXXX I noticed I had a weird transaction on my banking account from an XXXX account for an odd amount of money ( {$2.00} ). When I discovered this, I immediately started looking through my recently made purchases on my online banking statement. When I did, I discovered 3 more odd purchases. One of them the description of transaction was " XXXX XXXX ''. So incorrectly spelled city, and a city that is over 8 hours away from me. Then the other two odd transactions were named " STORE '' under description. I have banked with this bank for over 10 years and never had this type of issue. I called the bank that day and cancelled my card and had them look into the fraudulent claims. Four total transactions were disputed totaling exactly {$43.00}. The money was put back into my account. Then, on XX/XX/year> I receive a letter in the mail from said bank, stating that the information that I provided them about my transactions was inconsistent with their findings from doing their research and that they were removing the amount of {$43.00} from my account. So of course, I called the bank this morning to ask what information they received that made them believe the transactions were not fraudulent, and according to their investigation in their system it states that the transactions were all done in person. Well, that is strange considering you can not purchase XXXX in person as it is an online store with no store front. I also asked them how I would have gotten to XXXX if I had no other transactions around that time outside of my city limits. Which again is over 8 hours away. It is only {$43.00} for all transactions in total and I am not super worried about that, but I am concerned that they are doing shotty investigations into claims and I would hate for them to take advantage of someone for even more money. I plan on closing my account with said bank next week and open an account somewhere else. I just can't help but feel kind of screwed. The transactions should have been flagged as fraudulent in my opinion before it was even allowed to go through considering it was a random store in a random city ( and said city on statement is spelled incorrectly ) I am not a banking expert, but something sounds sketchy about that. And again, if their reason for " not believing me '' is that the transactions occurred in person, 2 out of 4 of those is highly unlikely if not impossible. The other two just say STORE and like I said, I have never seen that with all of my years of banking with this bank. My statements are usually very descriptive but that is quite the opposite.
Consumer complaint received 2024-02-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

Subject : Complaint Against Transworld Systems Inc. Regarding Alleged Debt Dear Sir/Madam, I am writing to file a formal complaint against Transworld Systems Inc. concerning their handling of an alleged debt in the amount of {$780.00}. It has come to my attention that Transworld Systems Inc. has violated several consumer protection laws, as outlined in 12 CFR 1006.34 and 15 USC 1681-S, which has resulted in significant harm to my consumer rights and financial well-being. 

Firstly, despite the absence of validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), Transworld Systems Inc. has placed this alleged debt on my consumer report. This action directly contravenes my rights as a consumer and raises serious doubts about the accuracy and legitimacy of the reported debt. 

Furthermore, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Transworld Systems Inc. has failed to provide me with proper avenues for challenging the validity of the debt, thus depriving me of my fundamental right to address any discrepancies or errors in the reported information. 

In addition to these violations, it has become apparent that Transworld Systems Inc. has engaged in deceptive practices, including the use of false, misleading, and misrepresented information. Such unethical behavior not only undermines consumer trust but also violates established consumer rights protections. 

Moreover, Transworld Systems Inc. has furnished this alleged account to consumer reporting agencies without providing the necessary disclosures mandated by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). This failure to comply with legal requirements further compounds the harm caused to my financial standing and reputation. 

In light of these egregious violations, I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into Transworld Systems Inc. 's practices. I urge the Bureau to take appropriate action to ensure compliance with consumer protection laws and to hold Transworld Systems Inc. accountable for their actions. 

Furthermore, I seek the following remedies : Immediate removal of the alleged debt from my consumer report pending validation of the information. 
Provision of complete validation information regarding the alleged debt. 
Assurance that Transworld Systems Inc. ceases all deceptive practices and adheres strictly to consumer protection regulations. 
Compensation for any damages incurred as a result of Transworld Systems Inc. 's non-compliance with the law. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumer rights. 

Thank you for your prompt action in resolving this issue.
Consumer complaint received 2023-04-23
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. (VA)

This company did not provide me with the original application or contract bearing my signature like I asked. This company are violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company have also, no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Therefore, this company is unlawfully reporting this debt under my name to the credit reporting agencies, and must be removed. I am on active military duty status. I have rights under 15 U.S.C 1681, and SCRA. Equifax is govern by 15 U.S.C 1681. They have violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (NV)

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I REFUSE TO PAY THIS ALLEGED DEBT RENT TOOK ALL OF MY MONEY AND I SENT THE REST TO MY MOTHER IN JAIL. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : CREDIT MANAGEMENT LP Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION
Consumer complaint received 2024-07-02
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX : # XXXX, has violated my rights. 


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.

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any conusmer report containing any of the following items of information Any other advers item of information