davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NORTHWEST BANCSHARES INC (PA)

Short story is that they are not and are delaying awarding a new customer checking account bonus that they acknowledge I earned. 

Long story, Northwest Bank is running a promotion to open their XXXX XXXX checking account, and when you meet certain requirements, you get {$500.00}. I was made aware of this promotion via letter to my house with the code XXXX on it. On XX/XX/XXXX, I used the code and opened the account online. I have screenshots of both the letter and the specific page where you type in the code and click continue. Fast forward to when I met the requirements, which are 1. open by XX/XX/XXXX, 2. direct deposit at least {$2000.00} in 2 consecutive statement cycles within the first 3 cycles. I did this on the first 2 and as noted, opened the account on XX/XX/XXXX well before XX/XX/XXXX. My cycle is on the XXXX or XXXX, so I was due the bonus on XXXX, but the letter says the bonus will be deposited 7 days after the cycle date, so the XXXX. I wanted to double check so I messaged their customer service on XX/XX/XXXX and asked if I did indeed meet the requirements and should be expecting the bonus. The next day, on XX/XX/XXXX, XXXX from Customer Service wrote back that I me the requirements and because the XXXX is a Saturday, I should look for the bonus on the next business day. So I assumed I would see it on Monday, XX/XX/XXXX. It wasn't there. On XX/XX/XXXX, I messaged that my bonus was not there and it's been 10 days since I met the requirements. I got no response and have still not received a response today XX/XX/XXXX. I called a few times in between XX/XX/XXXX and XX/XX/XXXX, and was told by customer service reps that they were told no promotional code was added and they had to investigate. I told them the code I used and that I had a screenshot. They did not ask to see the screenshot. On Tuesday XX/XX/XXXX, I was told I definitely earned the bonus but because the code didn't submit, they have to manually enter it and this could take a week. I pressed for faster action and XXXX said she escalated it to the Managers and that it could be done as quickly as today ( XX/XX/XXXX ). It never came for the next 2 days. Today, I get a call from XXXX on XX/XX/XXXX saying I have to wait and the bonus will be deposited on XXXX. It's lies and lies and they won't write anything down in messages or emails so nothing is tracked. 

See 3 screenshots, the letter with the code, the page I submitted the code, XXXX recognizing I met the requirements and XXXX saying I will be paid. 

They are avoiding or delaying paying new customer bonuses and saying I did not submit the code, which I can not prove them wrong because they don't care to see evidence. Why I think they are being fraudulent is the numerous delays, and 1 main point. If they say they have to manually type in the bonus, and said they will, why does it matter if it is awarded on the next cycle date, XXXX. The next cycle date is irrelevant because the bonus was met on XXXX.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

To date Mr. Cooper continues to misapply payments and will not correct their errors. The account continues to be monkeyed with and is subject to several " Oops '' from Mr. Cooper. I have a folder with over 100 errors that are in banking violation. 

I have tried getting them to fix things and I keep getting the runaround. This should not be happening with a financial institution. 

I am incurring additional interest and damages because of these " ERRORS ''. Any additional funds that are showing on the account were designated to be applied to principal. These " UNAPPLIED '' errors are dating back to XXXX. 

Creative accounting and fluctuating practices, escrow supposedly increased with the XX/XX/XXXX payment, that entire area is in violation evidenced by how they applied the payments and reported them..
Consumer complaint received 2019-06-09
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. (FL)

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX XXXX XXXX, XXXX XXXX XXXX. Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done. 

However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) and inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.
Consumer complaint received 2019-06-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (KS)

With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that ENHANCED RECOVERY COMPANY has the legal right and lawful authority to  attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by ENHANCED RECOVERY COMPANY has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring ENHANCED RECOVERY COMPANY from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of ENHANCED RECOVERY COMPANY agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
Consumer complaint received 2019-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Bank change of payment date has been going on since XXXX every month they claim I they cant find I requested a change of billing date to XXXX th of the month as stated by the rep.Every time they claim the rep did not put it in as change of billing date. Capital One Bank has bad customer service no confirmation date and every time you call them its a new story on there part
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OH)

I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but Great Lakes Education Loan Services could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXX not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was involved in an accident and as a part of the settlement received a check from XXXXXXXX XXXX for {$3500.00}. I made the deposit on XX/XX/18 but my bank is holding all of it until after the XXXX. I have had this same account with this bank for 12 years and have deposited checks this size before. They would usually give me access to a portion of it while it clears. In this case they did not. I had hospital Bills and my car was totaled. 

I spoke to my bank over the course of the next few days and despite the fact that 2 business days have passed and that i have NEVER bounced a check or made a bad deposit they refuse to give me XXXX cent. I'm in a tight situation and desperately need access to my money. All I wanted is a small portion to available right away. At least XXXX or XXXX dollars, but the bank refuses to budge or acknowledge my tenure and excellent account history. 

There are laws governing how banks can withhold funds from deposits and this doesn't fall under any of those exceptions. I will be taking my banking elsewhere. But since they have put such a strain on me and my family for no reason I would like to file this complaint.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc. (FL)

Dear CFPB Staff Member, My name is XXXX XXXX. I am writing you concerning a company attempting to collecta debt that was already proven fraudulent and removed from my credit reports twice. 

The company in question is AllianceOne located at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The fraudulent debt is for {$620.00}. 

The previous owners of this debt received the necessary police documentation and this fraudulent debt has already been removed from my credit reports twice. 

At this point for XXXX to once again knowingly resell this fraudulent debt would constitute a crime. 

I request your assistance in informing XXXX to : A ) Remove this fraudulent debt from any credit bureaus and/or data collecting agencies they may have already reported this fraudulent debt to.

B ) Cease from further reporting this fraudulent debt to any other credit bueaus and/or data collecting agencies. 
C ) Cease all attempts to collect this fraudulent debt.

D ) Refrain from knowingly selling this illegal fraudulent debt to another agency. 




Thank you, XXXX XXXX
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-02-23
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. (DE)

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. 

Account name : XXXX, account # XXXX, XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX, account # XXXX, and XXXX, account # XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm a victim of identity fraud dating back from 2015 I had no clue a capital one card was taken out in my name. When I found out I called Captial one and has disputed this account many many times and they won't remove it. I've added fraud alerts and identity theft alerts and this account is still reporting along with XXXX and XXXX XXXX XXXX. I've never taken out any of these accounts. Please help me rectify this it has harmed mine and kids lives for years I'm tired of being denied and turned down for something I didn't do.
Consumer complaint received 2019-11-04
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. (OH)

I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (CA)

Update XXXX : they sent me a check but then put a stop on it so it bounced when I cashed it! 

Reopening previous complaint, as XXXX is defrauding me and has stolen my money. 

Previous complaint : XXXX I contacted Key Bank on XXXX, 2019, to close my checking and savings account. I had ~ {$2900.00} in my checking account, and ~ {$81.00} in my savings account. Keybank sent a check for the {$81.00} in my savings account, but never refunded the money in my checking account. I can not view my account balance anymore since the account was closed. I have contacted the branch several times ( on XXXX XXXX in XXXX ), and they repeatedly either say they are too busy, and don't have a banker available but will call me back, or I talk to a banker who says they will talk to a manager and call me back. This has happened 4 times now over the last month, and each time, they do not call back. To be clear, I moved out of state so can not visit the branch in person. They do not dispute that I had the balance, or that they owe me the balance, or that I never cashed any check for the balance. They are fully aware they owe me a balance. They just are not taking the ownership and accountability to fix the problem. I asked if they had a plan to get my funds sent to me, and they said they don't, but would call me back today. They have not called me back. After being a Key client for over ten years, I was surprised how little responsiveness they have. They are holding onto my money and seem to have no intention of getting my money to me. They aren't outright stealing it, they are just very disorganized and have no sense of urgency, and as a result, are unlawfully holding thousands of dollars that do not belong to them.
Consumer complaint received 2023-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 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 any purpose
Consumer complaint received 2018-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

this is a follow up of the complain I sent about the transaction I had made for around 1300 dollars on XX/XX/2016. I had been in a battle with digital altitude trying to fight to get not only my money back but to shut down the company that had failed to keep their word. I wanted to provide documentation about how the company wouldn't provide me with the necessary refund even though I had requested it before the refund deadline. Below is the shady tactics that they did to steal my money. Once again if you search the digital altitude FTC shutdown you will see what i'm talking about thanks!
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.