davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NY)

I signed up for a bonus of " up to {$250.00}. '' It went down to {$150.00} after putting in my zip code. I completed the requirements for the bonus, which were " make at least {$500.00} in qualifying direct deposits within 90 days of account opening, '' but I have not received the bonus. The CSR who I contacted stated there was no bonus on my account but I signed up through the link and copied the terms and conditions. 


" make at least {$500.00} in qualifying direct deposits within 90 days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. The bonus will be credited to your account within 90 days of all requirements being met. '' My direct deposit was a recurring electronic deposit from the government and was above {$500.00} cumulatively.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

Lexisnexis pulled my information without my consent. According to 5 U.S. Code 552a - Records maintained on individuals. I should have the right to privacy without my information being shared. I was not sent notice of lexisnexis before they shared my information with the creditor reporting agencies
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (VA)

Please consider this letter as my formal complaint against XXXX XXXX who has not placed a notice of dispute on my account within 30 days of my dispute. 

I have sent a certified/return receipt dispute letter to XXXX XXXX requesting verification of balance owed on the closed account. This dispute letter was received by XXXX XXXX on XX/XX/2018. I sent another certified/return receipt letter informing XXXX XXXX that the notice of dispute was not furnished to the credit bureaus. This letter was received by XXXX XXXX on XX/XX/2018. 

XXXX XXXX  has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

They are liable for willful noncompliance, as per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( i ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have a derogatory account reporting on my credit for a credit card that was discharged in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was discharged
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX  Balance {$2800.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX Balance {$85.00} Date Opened XXXX XXXX, XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX XXXX {$9000.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account ''
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (VA)

I turned in an XXXX to XXXX shortly after purchasing it for my XXXX  daughter as a gift. She was not using it responsibly so I returned it and cancelled the phone/internet service. I went into the XXXX store personally to make sure my monthly charges would be cancelled and to make sure I paid the final amount due and the service would be cancelled. I do not know the exact date of my visit but I assume it was in the spring of 2022. I was assured at the time all the final charges were captured and I paid the balance in full. 

Many months later I started receiving a bill from a collection company and now a debt collectors office saying I owe {$500.00} and if I agree they will accept a settlement of approximately {$370.00}. I asked for a copy of the charges so I can compare the dates of the charges to when I had the phone. They provided a balance due statement without any detail of the charge type or date of incurrence. I called again today and asked for it again and the representative at the collection company ( McCarthy , Burgess & Wolff ) told me they could not guarantee they could get that information from XXXX and that I should not bother trying to call XXXX myself because they would just forward me back to them. She said my only recourse was to pay the settlement or they would have to note that I refused to pay.
Consumer complaint received 2021-11-12
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. (GA)

XXXX XXXX XXXX  Balance {$2800.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX Balance {$85.00} Date Opened XXXX XXXX, XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX XXXX {$9000.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account ''
Consumer complaint received 2021-11-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

I had an existing claim with my mortgage company and they lied on that claim stating I denied a mortgage modification, when they told me my loan did not qualify and I only had a deferral option. XXXX and SHE had called me on XXXXafter my initial claim XXXX stating they would expedite my application and get the deferral done. This had not happened as of yet and I am still awaiting after my original application date of XX/XX/XXXX for loan modification was submitted. 

I have called on XXXX, XXXX, XXXX, XX/XX/XXXX and on XX/XX/XXXX requesting the deferral information and they keep dragging it out and not having supervisors call back with my request. Now they are stating it will take another 90 days to get this process going.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

I see on my credit report that Jefferson capitol systems is attempting to collect a debt that I've asked them multiple times to validate. They have failed to do so. I also received via mail from XXXX that they were attempting to collect a debt and the debt should be paid to Jefferson Capitol systems. This is a violation of my rights 15 USC 1692e. The amount shown on my credit report is XXXX and I have never done business with neither one of these companies nor have they been able to provide a contract.
Consumer complaint received 2023-10-03
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-11-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

While banking at SunTrust bank It is as clear as light when you do business in XXXX  communitys vs other communities you are treated very differently. This time I could not find a notary in XXXX  areas after spending about four hours of driving around. The next business day I found a SunTrust in a XXXX community with a notary, and I went there and was treated like a villain at the XXXX XXXX SunTrust location. The security guard made me feel as those I was doing something wrong for coming in the bank also, they told me my letter was done wrong and I needed to go home and re- type it. ( I was refused serviced ) I went to the white side of town and had it notarized in seconds. I have a mortgage and checking account with this bank. Also, the XXXX XXXX location did not answer the phone until XXXX. You would think they are operating on CP time.
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (CT)

Hello, unauthorized credit check was done on my credit report on XX/XX/2024 from Global LendingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX If you believe that was done by error please removed this from my credit report. Thank you
Consumer complaint received 2024-04-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This student loan was signed for in XXXX originally with Bank of America. To my understanding, the funds were sent directly to the university. Bank of America never sent me statements or attempted to contact me for any delinquencies. Around XX/XX/XXXX I received notification from XXXX XXXXXXXX XXXX XXXXXXXX that they were suing me for not paying the debt, I asked them for proof of the disbursements where the checks were sent and who endorsed the checks. I also asked for a payment history since I assumed that money was already sent to the university and combined into my other student loans which I have paid on time. There has been no action on their part for XXXX years, which I told them that I believe this violates the statute of limitations in the state of Florida, I retained a lawyer, but they are continuing to drag this on, and not provide any proof of the last action or even payment on this loan.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

Please state payment was made weeks ago and they won't give XXXX balance and update they are still fraudulently reporting the incorrect amount after numerous attempts to make the payment they wouldn't take the payment over the phone had to mail and it was a difficult process as a consumer.

This is adversely affecting my credit and My home buying process causing me a damage of possibly losing my deposit.
Consumer complaint received 2022-05-19
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. (LA)

I opened up a secured credit card on XX/XX/XXXX with XXXX XXXX XXXX for {$4000.00}. I would pay off the credit card every month on anything I charged. When I decided to close the account I use the secured funds to pay off the balance. Months later XXXX  XXXX XXXX came back and said that I owe them {$5000.00}. I showed them paperwork proving that I paid off that account as well as sent it to XXXX credit file. They charged off this account in XX/XX/XXXX and have left it on my credit report. I have received nothing but the run around by both the credit reporting agency and the creditor.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (FL)

The account listed below has been reported and confirmed by the credit collection agencies as result from my identity theft. the account bellow : BARCLAYS BANK DELAWARE Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$1100.00} {$1000.00} keeps on showing on my XXXX report as a delinquency account. I need this account to be removed from mu credit history as it does not belong to me.
Consumer complaint received 2021-07-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-11-12
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 — Investigation took more than 30 days
Company: CORELOGIC INC (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NM)

XXXX XXXX XXXX  is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.
Consumer complaint received 2023-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NJ)

At XXXX on XX/XX/2023, I took a walk in the XXXX XXXX XXXX where XXXX high-school aged boys approached to me for XXXX survivors donation to their sports team. They first asked me if I can donate one dollar to their XXXX account and I tried but failed. They then asked if I can donate through Zelle and I said Yes. One boy asked if he can search the phone number on my Zelle and I allowed him only to search the phone number. In the meanwhile, the other boy distracted my attention by kept introducing their program. I did not authorize them to transfer the money and the boy who held my phone told me he has searched the phone number out and I said let me take a look. When I looked at my phone for the receipients number, these two boys ran away and they stole XXXX from my account without my authorization
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Resurgent Capital Services has been sending me letters for months attempting to collect a debt that is not mine. The debtor has the same name as me, but the address is different and I am in no way affiliated with this debt. I have phoned 4 times and sent cease and desist letters asserting that they have the wrong person and to stop contacting me. Despite 7 phone and mail requests, the company continues to send me the same collection letters. The company has confirmed that the address and email address associated with the account is not mine. They will not stop contacting me. 
Resurgent Capital Services Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ID : XXXX They have also contacted me for this debt under XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
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: Experian Information Solutions Inc. (MI)

Ally Financial Date Opened XX/XX/2021 Balance {$37000.00} - " Different Dates of last activity '' XXXX XXXX Date Opened XXXX XXXX, 2021 Balance {$58.00}, XXXX " Different Dates of last activity '' XXXX XXXX Bank XXXX XX/XX/2021 Balance $ XXXX THIS IS NOT MY ACCOUNT! I have never heard of this bank nor have I ever made any payments on this account. " Validate Account ''
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has failed to remove the XXXX XXXX XXXX XXXX from my credit report when I have notified them that this company has failed to verify this account and provide the requested XXXX form along with other documentation. Please send how you were able to verify this account or remove this from my credit report. You are the only credit bureau reporting this inaccurate information and I am liable for monetary damages if you can not provide how you are reporting this information as accurate when the company could not verify the account. Please see the attached letter that was mailed to the company over a month ago which is dated and time stamped.
Consumer complaint received 2022-04-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 1XXXX has violated my rights.

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. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2020 the XXXX XXXX XXXX of Michigan made two deposits to my Bank of America issued debit card for unemployment funds. The 1st {$600.00} payment covered unemployment for XX/XX/2020 and the 2nd {$600.00} payment covered unemployment for XX/XX/2020. The payments were deposited on XX/XX/2020. This is what happens when you are paid retroactively and you have your account on hold for the XXXX they often pay you later. However Bank of America only deposited XXXX of the amounts of {$600.00} to my debit card. The complete ignorance from a previous complaint where I outlined all the same details apparently were lost on Bank of America just like my money was and they kept insisting that I was talking about XXXX deposits in XXXX payments when I was not as you can see from the attached information that they actually sent me back which clearly shows deposits made in XXXX one for {$600.00} BUT ONLY ONE NOT TWO AS THE XXXX SNAPSHOTS SHOW! Michigan XXXX has repeatedly told me both transaction numbers and only one shows up as you can see on the Bank of America statement. There is a second transaction. Bank of America did not apply it to my card. This is been going on for a year and I need the money. The reference number and ACH LOAD on XX/XX/2020 SHOWS {$600.00}! THE XXXX SHOWS 2 ACH LOADS FOR {$600.00} EACH FOR A TOTAL OF {$1200.00}. WHERE IS THE OTHER {$600.00}! 

Bank of America and the cfpb need to stop looking at the XXXX information you need to look at the XXXX information and then XXXX statements and the XXXX deposits and the XXXX XXXX information. 

Can nobody read the information that I'm typing and sending and understand what I'm talking about because it's a very clear and I will not accept any response other than anything to do with XXXX and what happened in XXXX of 2020. Tell me where the other {$600.00} went the deposit was made by the XXXX and they have provided me the proof and they are stating that the Bank of America did not apply the money to my account which clearly B of A that Bank of America sent me is true and only ONE DEPOST SHOWS IN XXXX OF 2020!