davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

Hello, I opened a checking and savings account with First Citizens Bank back on XX/XX/2020. The account I opened was part of a promotion that I open the checking and savings account, make ten debit card transactions within 90 days, enroll in estatements and open a new savings account.

I made ten debit card transactions on XX/XX/XXXX. 
I opened a savings account on XX/XX/XXXX. 
The terms stated that my account would receive the {$300.00} checking account bonus no later than 120 days from qualifications being met. 120 days from XX/XX/XXXX is approximately XX/XX/XXXX. 
I have still received no bonus. 
Throughout the promotion I sent messages to the bank asking if my account was properly enrolled in the promotion of which they confirmed it was. After XX/XX/XXXX I have asked where my bonus is and all they tell me to do is call the local branch, which I have done and they will not honor their promotion. 
Please assist me.
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC (PA)

I sold my house and repaid the mortgage ( mortgage holder Lima One Capital , LLC ).  During the closing process the lender was over paid by the closing company. The closing was XX/XX/2020 and the lender acknowledges receiving the funds wired by the closing company on XX/XX/2020. The lender also acknowledges the money that I'm owed but can not /will confirm when they will refund monies owed to me. I was told " We have many other loans and customers and can't say when they'll be able to send me my refund. '' The originally said that a check would be sent 30 days after close. Then they said they already mailed the check. Today they ( Mr. XXXX XXXX XXXX said " We have many other loans and customers and can't say when they'll be able to send me my refund. ''
Consumer complaint received 2021-03-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company (MD)

On XX/XX/XXXX, I received the attached document dated XX/XX/XXXX from Statebridge Company , LLC demanding payment of an alleged debt in the amount of {$70000.00} ( see Attachment A ). 

On XX/XX/XXXX, I sent Statebridge via USPS Priority Mail the attached letter deputing the alleged debt and requested validation, pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statebridge received the request for validation on XX/XX/XXXX ( see Attachment B ). 

On XX/XX/XXXX, I received the attached letter from Statebridge dated XX/XX/XXXX, stating that they verified the alleged debt of {$70000.00} and that the debt was due and owing to Statebridge ( see Attachment C ). 

On Saturday, XX/XX/XXXX, I received another correspondence from Statebridge dated XX/XX/XXXX, attempting to collect the {$70000.00}. On XX/XX/XXXX, via USPS Priority Mail, I responded to Statebridges incomplete validation of the alleged debt, and gave Statebridge Notice that I would be filing a FDCPA complaint against their company for not validating the debt and for its false, misleading, and deceptive practices in attempting to collect the alleged debt ( see Attachment D ). Statebridge received the XX/XX/XXXX correspondence on XX/XX/XXXX. I did not receive any further correspondence from Statebridge for the remaining of XXXX regarding the alleged debt of {$70000.00}. 

On Thursday, XX/XX/XXXX, I received the attached IRS 1099-C from Statebridge alleging to be the creditor of the allege debt, which Statebridge knew was discharged in the United States Bankruptcy Court, for the District of XXXX on XX/XX/XXXX ( see Attachment E ). Further, Statebridge was not a party, nor creditor in the XXXX bankruptcy case. I believe Statebridge is attempting to file the fraudulent 1099-C with the IRS, in order to receive an illegal {$70000.00} write-off. 

On XX/XX/XXXX, I sent via USPS Priority mail a Notice demanding that Statebridge rescind the 1099-C, within 20 days of receipt of the Notice. Statebridge received the Notice on XX/XX/XXXX ( see Attachment F ). To date, Statebridge has failed or refused to respond to the XX/XX/XXXX Notice, nor did I receive any documentation from Statebridge that they contacted the IRS and withdrew the fraudulent 1099-C. 

Lastly, on XX/XX/XXXX, I received my credit report from TransUnion and noticed that Statebridge illegally pull my credit report on XX/XX/XXXX. I use the term illegally because Statebridge did not have my permission to pull the report. This was an impermissible pull and also a violation of the Fair Credit Reporting Act ( FCRA ). 

I am reporting Statebridges numerous illegal acts and is requesting an investigation from the CFPB in this matter.
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FREEDOM FINANCIAL NETWORK (WI)

Initial complaint filed against Freedom Debt Relief on XX/XX/XXXX case # XXXX regarding an incident from XXXX to XXXX where they collected over {$34000.00} from my husband and I, but failed to pay any of our debts. It is all spelled out in the attached documents. I am submitting a second complaint as they failed to respond to the first complaint.
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (NJ)

Initially, a theft with a duplicate number disputed my entire balance and I had to fix this error. They lied to American Express by pretending that they were me over the phone. Might I add that I had Amex since completing college. These hackers are evading all of my credit cards. They are trying to ruin my life because of jealousy. They are hacking several cards and making fraudulent charges. I like using American Express. I, never, only had {$7.00} to utilize. 


Anyway, this particular month I paid {$40.00}. I was only given {$7.00} to use. The ceo allowed someone to steal almost {$40.00} in credit. If you calculate my balance last statement and the amount that I paid, I should have had at least {$20.00} to spend. I contacted XXXX and the payment that posted from Amex was rejected. I had to pay with a different XXXX card. 


These criminals are dangerous. They are hacking my banking accounts and credit cards with a duplicate number and these CEOs are protecting them. I lost about {$20.00} in credit. This is occurring with many of my credit cards. I need to have these people blocked from accessing my accounts and credit cards. How do I prevent hackers from making purchases on my account. I have a XXXX  and other health problems I dont need the stress. 










Sent from XXXX  Mail on XXXX
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

Hi, Recently i got notification from 3 credit bureaus about a collection account on my credit report placed by XXXX XXXX XXXX which represents XXXX. 
When i called them on it today XX/XX/2019 they said they got the information from XXXX back in XX/XX/2019 but failed to send me any notification to dispute it, i asked if they have a record showing that a notification was sent out and they said no but they are doing so immediately. 
Also, i called XXXX to dispute it as i believe it was a mistake for charging me the extra month after i canceled my services through their account portal and wanted me to call to verify cancellation. they said they sent me an email requesting me to call but it must have been sent to my spam folder as that is sometimes normal. i did not read the email and it must have been deleted. Did not receive mail afterwards as they explained they normally get their money back when costumers call back again to activate new services. 
I think SW credit services failed to abide by the legal system when they did not allow me to verify and dispute information. 

This is the collection company information : SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thanks for the help,
Consumer complaint received 2019-05-31
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. (MS)

Upon requesting and viewing my credit file with Transunion ( XXXX # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Transunion ). Here are the errors that I need Transunion to correct. 

1. XXXX XXXX XXXX This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XXXX of 2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 

2. XXXX XXXX This account is paid in full. 

3. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed. 

4. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

I cancelled my service with XXXXXXXX XXXX XXXX XXXX about 2 years ago. I paid my bill in full and returned the equipment. I have an email confirming that the equipment was returned. 
Then a few months later I began getting a bill from them for {$110.00}. I called the company to ask what the bill was for and they were vague about what it was for, final payment or equipment..I told them I'd paid my past bill in full and returned the equipment and asked for copies of my last 3 months. They had stopped my online access so I could not access my bills myself. 
The said they could not send me those bills. 
I refused to pay them for something that I did not know what it was for as I very clearly had paid my bill in full and returned the equipment. 
Then 2 months ago they put the invoice in for collection with Collection Bureau Hudson Valley, XXXX XXXX XXXX 
CBHV asked me to either pay the debt or send them documentation why it is not owed. 

I sent them a copy of the email showing that the equipment had been returned, since that is the only thing I could be getting billed for. Instead of accepting that, asking the XXXX for more proof that I in fact owe them any money, they simply put the {$110.00} in for collection, killing my credit which as perfect payment record with not a single late or missed payment.
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Intermex Wire Transfer, LLC (CA)

On XX/XX/ 2020, I tried to send money using Intermex Wire Transfer dba XXXX XXXX online. I entered all the necessary information and I received an email stating the transaction was processed successfully and sent me a confirmation. It also requested for me to call XXXX to complete the transfer. When I called the XXXX, to complete the wire transfer, they said that my transaction was cancelled because unbeknownst to me, I am not allowed to send money to a corporation i.e. the XXXX  company that manages my condo in the XXXX. Since the money has been deducted from my bank account, I asked them when they will return the funds back. The answer was it will take 24 hours for it to reflect in my checking account. Unfortunately, it was not the case. I called and to follow up on XX/XX/2020 XXXX XXXX and they said I have to wait up to 5 business days. If I knew that the transaction was not going to be allowed, the system should have advised me of that. Also, if the transaction was cancelled what is the need to hold on to the funds which I desperately need to pay for my XXXX  dues.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still it is very important to me to have a good and positive remarks on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (GA)

On XX/XX/2018, my XXXX Credit Card Account ( XXXX XXXX XXXX XXXX XXXX XXXX ) was closed at my written request. The account is closed with a balance, and I am making on-time monthly payments to get it paid off. On XX/XX/2018, I was billed an annual fee of {$49.00}. On XX/XX/2018, I first emailed XXXX through its website to request the annual fee be waived. I did not receive a response. On XX/XX/2018, I initiated a chat session through the XXXX website and chatted with XXXX. I asked that the annual fee be waived/removed/reversed, but XXXX refused to waive it. He said that an annual fee will be billed on the account, even though it is closed, as long as there is a balance of {$25.00}. This practice seems illegal and definitely unfair and abusive. Customers should never pay annual fees on closed credit cards. The card can not be used at all ; thus, XXXX/XXXX XXXX XXXX XXXX  XXXX is being abusive in billing the annual fee and then refusing to waive it. I am asking that the CPFB investigate this bank for the abusive practice of billing annual fees on closed accounts. Also, when the account is closed, this bank needs to make clear of its annual fee billing in the close confirmation letter. It does not. Whereas other banks gladly waive annual fees on closed accounts, why has the federal government allowed XXXX/XXXX  XXXX XXXX XXXX  XXXX to get away with such an abusive practice? I would hope that appropriate fines and legal action are forthcoming for this bank, and the abusive practice of billing annual fees on closed accounts comes to an end. I am asking that the {$49.00} annual fee is waived on my account, and on a much larger scale, I am asking the CPFB to investigate and put an end to such an abusive practice.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Equifax continues to illegally report a credit report item that is beyond the statue of limitations. 

XXXX XXXX XXXX XXXXEquifax continues to illegally re-age the account line. I 've contacted XXXX XXXX directly and received proof from the company that they are no longer reporting the account any credit bureau, yet Equifax refuses to delete the account.
Consumer complaint received 2018-06-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc. (CA)

In XXXX we sold our home in XXXX Ca. The mortgage company said they would give us a no interest loan for the difference in the selling price of our home. We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time. Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency. The money amount on the Promissory notice is different from the written amount. The payment for the note was {$1200.00}. I paid {$50000.00} on this note for my mortgage at XXXX XXXX XXXX. Then I lost my job after 34 years. XXXX went out of business in the real estate scandals that went on in XXXX. They sold the note to Dyck-O'neal, I contacted them in XXXX and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer. I went to an attorney  and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with Dyck O'neal in XXXX they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations. My husband was employed throughout this fiasco, I ask Dyck-O'neal on several occasions to take this to court so we could deal with it legally, they choose not to do it. I believe it's because they knew this was an unenforceable agreement. I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XXXX XXXX credit it is stopping us from purchasing it. I have written to the Credit Bureaus disputing this account and they will not remove it because Dyck-O'neal keeps saying its a debt owed to them. Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.
Consumer complaint received 2018-06-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I submitted an investigation request to Equifax on XX/XX/XXXX. They are supposed to send the results back to me within 30 days. When XX/XX/XXXX arrived, I had not yet received a response from Equifax. I sent them a follow-up letter on XX/XX/XXXX, but that letter was also ignored. To date, I have received nothing back from Equifax.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (TX)

There has been multiple attempts to collect a debt that is not mine by XXXX XXXX. I contacted XXXX XXXX and advised that account was opened without my consent and is fraudulent. I filed a police report and submitted it to their fraud department. XXXX has tried to get multiple credit collection agencies, which have reported to my XXXX, Equifax and XXXX account several times. Each time I challenge the collection and the account is the sold to another agency and the collections goes back on my report. Sometimes it has shown back up with the same credit collection agency. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2020-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-20
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. (IL)

On XXXX XXXX2020 I received a letter from XXXX that said they have deleted a bankruptcy that they previously reported. I contacted XXXX  and transuion of this deletion letter and submitted a copy of the letter asking them for verication on XXXX XXXX2020. I also sent them a letter sent from the burueas stating XXXX is where they verified this information. along with a copy of the deletion letter from XXXX. XXXX  sent out response. Stating the item will remain. trans Union has yet to respond. I asked for both burueas to verfiy this item.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

THERE ARE NEGATIVE REPORTING LISTINGS ON MY CREDIT REPORT FROM A COUPLE OF ACCOUNTS THAT SAYING I'VE BEEN LATE ON MY PAYMENTS. BASED ON MY RECOLLECTION, I HAVE NEVER BEEN LATE ON THESE ACCOUNTS. THE ERRONEOUS STATUS OF THE CREDIT REPORTING AGENCIES IS UNACCEPTABLE AND IS PREVENTING ME FROM OBTAINING NECESSARY FINANCING. THE ACCOUNTS ARE : XXXXXXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX  XXXX XXXX # XXXX