davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (VA)

I opened a checking account at M & T Bank in XXXX of 2017 at their branch on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I used a promotion code ( XXXX ), which promised {$200.00} dollars after direct depositing {$100.00} or more into a checking account. The woman who helped me open my account at M & T assured me that I was eligible for the promotion and that she included the promotion code in the computer system at the time of opening my account. I arranged the direct deposit within the required 3 months and, as per the promotion, I expected to received my {$200.00} within 3 months of having my $ 100+ direct deposit go through. A direct deposit of {$100.00} went through on XXXX XXXX, XXXX. Three months later, I still had not received my {$200.00} so I called the bank branch. A representative asked me to email them the coupon I had to see the code. I obliged and the woman said that the promotion had a computer-based system with names in it of people who are qualified - apparently my name was not in the computer system. 

However, if this were the case, the M & T representative did not inform me of this when I first opened my account and even assured me I was eligible. Furthermore, the coupon mentions nothing about a computer-based system with eligible names ( I attached it to this complaint ). After mentioning this to a representative over the phone ( working at the branch where I first opened my account ), she told me she would call me back after looking into the matter. I never received a phone call or a message/email back from the representative and I never received the {$200.00} per the promotion.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (LA)

On XXXX XXXX, XXXX I applied for and was approved for a XXXX Reward XXXX from Chase. I called them and informed them that I was recieveing the wrong promotion. I told Chase I could email the promotion to them. On XXXX XXXX, XXXX I was sent a letter that stated that could not receive the promotion from the email. I called Chase on XXXX XXXX, XXXX asking from the promotion that was offered. The Chase representative informed me that I would need to accept the lesser. I informed Chase that I would have not even applied for the card if I would have known I was getting the lesser promotion. I asked Chase to close the account. I do not understand why they would send me emails with better promotions and then grant something of lesser value.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My TransUnion report has an account listed for XXXX with a mailing address for XXXX XXXX as the reporting company. On XXXX/XXXX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of their reporting to TransUnion. The envelope was returned to me as " Return to Sender, Attempted Not Known, Unable to Forward '' On XXXX/XXXX/XXXX I sent a copy of the returned mail envelope to TransUnion requesting they delete the account as they are reporting inaccurate information ( specifically the address of the company reporting ). They signed for the certified letter on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX this item is still reporting on my file. This is a violation of my consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank 's back office has failed to correct their error and credit my account back the {$64.00} that they took from my account on XX/XX/XXXX. On Monday, XX/XX/XXXX and on Thursday, XX/XX/XXXX I spoke with XXXX different customer service reps who reached out to the back office to fix the error. On XX/XX/XXXX the back office took {$64.00} out of my account stating that the merchant had refunded me. The merchant never refunded me. Both of the customer service reps that I spoke with on the XXXX as well as the XXXX confirmed that there was never a merchant credit made. As of to date Capital One 's back office has pretty much stolen {$64.00} from my account with no resolve in sight. The claim number in reference is XXXX.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS (IN)

I contacted LexisNexis to dispute the incorrect information on my report that was listed on my consumer report. I disputed XXXX items, XXXX of which was my education on my report. LexisNexis initially stated I went to XXXX XXXX  as an XXXX XXXX. I never attended XXXX XXXX  nor earned my XXXX XXXX XXXX from XXXX XXXX. I earned a XXXX XXXX XXXX with an XXXX  degree in XXXX XXXX  XXXX XXXX XXXX  and XXXX  with a XXXX  XXXX  in XXXX  from XXXX XXXX XXXXXXXX in XXXX. In addition to earning a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX, I earned a XXXX XXXX XXXXXXXX XXXX in XXXX and a XXXX XXXX XXXX XXXX  with a concentration in Higher Education from the XXXX  XXXX XXXX XXXX in XXXX XXXX, XXXX, in XXXX. Then, I earned a XXXX XXXX XXXX in XXXX with a concentration in XXXX XXXX in XXXX. I went to the XXXX XXXX XXXX, a database with academic records, to ensure all three institutions recorded my education records. I paid {$XXXX} to verify this information, and my education records were successfully verified through XXXX XXXX XXXX. I provided LexisNexis with the necessary documentation to update my record, and LexisNexis told me in their report of the dispute that the information of my education record was unverifiable dispute providing them with the documentation to update my education record on my consumer report which was used from my background check. I received a phone from a customer representative name XXXX, an email, and mail notice stating that the request could not be investigated nor completed because my identity could not be verified. I submitted my identification documents as requested but stated I had to resubmit a dispute. I am refiling my complaint against company because they are trying to avoid the errors they made. I am submitting my identity documents, verification letters, school transcripts and documentations from XXXX XXXX XXXX verifying my education records from each institution I earned my XXXX XXXX and XXXX XXXX XXXX from the years XXXX to XXXX
Consumer complaint received 2017-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

I tried to make a payment and was forced to choose the following calendar day. This caused a negative mark on my credit report. I called and spoke to a supervisor and he saw in my account there were multiple errors messages on their system evidencing that I tried to make a payment on the actual due date but the system was simply not allowing it. The system stated that everything after XXXX XXXX PST had to be paid the following day. My payment was finally taken at XXXX XXXX PST after multiple tries earlier, which caused it to post the following day. Freedom Mortgage thereafter reported my payment 30 days late. Other banks will take the payment the day it is being paid and if it is processed the next day, it is still marked as received the same date payment was made. After years of having a mortgage I have never been over 30 days late with this company and they have refused to listen to my issue. A Freedom Mortgage supervisor has created a file to try and get them to resolve this issue. He stated after looking at my file that if it were up to him from everything he 's seen, he would have the negative mark deleted from my credit report. This supervisor does not have a direct line customers can access and I have not heard back. Given this bank has no physical location in Nevada and that my payment was timely but not accepted by their computer system, I do feel Freedom Mortgage 's practices are unfair.
Consumer complaint received 2017-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

XXXX XXXX XXXX XXXX collection agency Credence removed an alleged debit from all 3 credit agencies over 3 years ago as the debt did not belong to me. Now Credence has reinserted this same debt to all reporting agencies under my name without properly notifing me in advance. 

I have requested Credence collection agency to provide validation of this alleged debt, but they refused to. However, they mailed me a 50 % off settlement offer instead.
Consumer complaint received 2017-11-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

After XXXX XXXX, the entire XXXX part of Florida was declared area a XXXX XXXXXXXX area by XXXX. As a result, Wells Fargo offered a 90-day relief on my mortgage. I spoke to a representative from Wells Fargo and she told me that I would not have to pay my mortgage for 90 days. She also stated that I would be able to apply the payments from the 90 day relief to the end of my loan. I agreed and right after I received an email from XXXX XXXX, Senior Vice President, Customer Service Wells Fargo Home Mortgage stating : Were reaching out because you are located in a XXXX declared XXXX area. XXXX XXXX left extensive damage in your community. Our thoughts are with you and all of those impacted. 

We understand if youre not able to make your normal monthly payments during this difficult time. To assist, we have placed a 90-day payment relief period on your account. During this time : We will not assess late charges. 
We will not report any negative information to the consumer reporting agencies. 
We will work together to discuss options that XXXX include moving those payments to the end of your loan or extending your maturity date. 

In XXXX, I received documents in the mail about preserving my home from Wells Fargo. Immediately, I called Wells Fargo to figure out why I was receiving the documents and they told me that the payments I missed could not be applied to the end of my mortgage loan. They said this is because I had an FHA loan. They said the only thing they can do for me is a loan modification. They told me because I have an FHA loan that was the option I had or I could pay the balance in full. I explained that is not what was told to me when I agreed to the 90 day relief. They transferred me to a mortgage specialist and she told me she would research the call. She called me back in XXXX hours and told me there was no evidence in where their representative told me that. 
That is a lie because I would not have agreed to a 90 day relief if they told me I would have to do a loan modification or I would have to pay my balance in full after the 90 days. From the beginning of this process no one from Wells Fargo mentioned a loan modification or paying to amount owed in full because I would not have agreed to it. I do not want my interest rate to increase. This makes no sense to me. Please help me with Wells Fargo trying to take advantage of me.
Consumer complaint received 2020-06-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

It has been over 60 days since I've sent out my complaint to the credit bureau and have not received any response. From what I have read this is completely against FCRA guidelines and I hope you guys can assist in finally getting this resolved.
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (KY)

On XX/XX/XXXX I bought a netSpend card at XXXX for {$2.00} and loaded {$55.00} on it. I wanted to do some online buying. When I tried to register it they wanted copies of my ID, Social Security card, pay check stub, or other government paperwork with my address. Reluctantly I sent them my ID ( invalid-out of date ), my SSC ( accepted ), and a SNAP review ( invalid-over 30 days old ), four months of rent reciepts ( rejected ). Later I sent them my XXXX XXXX ID ( rejected ) and a XXXX letter dated XX/XX/XXXX ( also rejected ). This is all the paperwork that I have. I am an XXXX XXXX XXXX that works part time. I get paid cash, there are no check stubs. It took months to save that money for some holiday spending. They say that this prevents money laundering. That would make sense if it were {$5500.00}, but not {$55.00}. netSpend has hijacked my money. Ther should be regulations as to the amounts that this criteria can apply. On the outer package it says they will need your name and address, your date of birth, and your SSN. It does n't say anything about copies of all this and other stuff. Thats got to be false advertising. I called for a refund today, they said it would take 10 business days.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I sent Experian and XXXX XXXX a notice invoking my right as a federally protected consumer to opt out per 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furthermore, Experian and XXXX XXXX are in violation of per Privacy Act of 1974 by sharing my non-public information such as my financial history.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XXXX XXXX XXXX XXXX I MADE A DISPUTE TO COMPANY THE COMPANIES TOOK 45 days to respond!!! THEY ARE VIOLATING THE " FAIR CARES ACT " LAW REMOVE ACCOUNT IMMEDIATELY XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE DISPUTE RESPONSE! THE COMPANY TO OVER 45 days to respond this account must BE REMOVE IMMEDIATELY FROM MY CONSUMER REPORT AND CREDIT REPORT RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit 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 und 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-11-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd. (TX)

Loan was originally from Cash Store. The company calling me is a company called XXXX. They continually call, threaten to sue ... they have called my family members in which they never had authorization to call them and gave them false information. They told my family they were calling because I had a returned check. Violating all sorts of fdcpa laws.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2017, attempted to use my Kohl 's credit card, and was advised they showed my social security number was being used by another party. This is after five years of credit at Kohl 's, using my social security. Their solution was to restrict my account.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ND)

My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

The XXXX XXXX XXXX XXXX have inaccurate information on my Credit Report that has been removed 4 times and they are constantly putting it back on my Equifax Credit Report and raising the balance. It 's over 10 years old, incorrect and they are violating my Constitutional Rights. I will be filing a Lawsuit in Federal Court against Equifax and The XXXX XXXX XXXX for this erroneous act.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

IN CASE CFPB # XXXX YOU PROVIDE A JOINT ANSWER CHASE AND XXXX XXXX. YOU BRIEFLY MENTION WITHOUT EXPLAINING " CURRENT OWNER ''. 

ONE QUESTION, DID XXXX XXXX PURCHASE XXXX XXXX XXXX FROM YOU ON X/XX/2009 FOR XXXX? 

XXXX # XXXX
Consumer complaint received 2017-02-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

My mortgage company erroneously reported that we were over XXXX days late on our XX/XX/XXXX mortgage payment. To date, we have NEVER been XXXX days late with any of our payments and this accounting error on their par has lowered mine and my husbands credit scores from XXXX down to XXXX because f Ditech 's error. We noticed this error on XX/XX/XXXX and contacted Ditech immediately to report, we called several times, each time getting a different story on how we were to obtain proof that they corrected, and I have emailed them requesting this as well and have yet to receive back up that they have corrected with credit bureau and will not send us a letter or anything stating they made this error and it was corrected with date of correction. My credit score is still XXXX or below due to this error and we are supposed to try to buy a new car since our car lease is up at the end of XX/XX/XXXX. They have also repeatedly charges us incorrect late charges and also XXXX allocated our check we sent for mortgage payment to another amount thus charging us late fees for their error. This time, it did us actual damage to or credit and will not respond with correction for us to use when we go to apply for lease for car. I have attached bank statements that show each payment totaling {$1100.00} per month ( our monthly payment amount ) highlighting the check memo that is printed with each payment that lists month, mortgage, and year on it.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XXXX XXXX, 2017. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XXXX XXXX, 2017 and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.