davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NE)

I was receiving multiple calls from a number I did not recognize, which turned out to be CBE groups, a collections agency trying to contact me. Knowing I had nothing in collections and nothing reporting to the CRA I answered one of their calls on XX/XX/XXXX only to receive a dead air call. I called them back and was immediately read my mini-miranda. After giving the rep my phone, name, and social security number and current address, which I have resided at since moving back from XXXX in XXXX, the rep kept stating I owed a debt but would not give me info as to who the original debtor was because I didn't have the correct address, so I did a cease and desist to stop all calls. They later started to contact my family, so I contacted them again on XX/XX/XXXX to do a cease and desist on all calls that have to do with their account due to lack of information. However, after extensive research and due to not receiving a validation of debt letter within 5 days of speaking with me I did not feel comfortable with how the reps were responding to the situation. I called once again on XX/XX/XXXX to ask for their address so I can not only send a written cease and desist letter but a validation of debt letter as well. However the rep disconnected the call. I called back immediately and the second rep started to argue with me that I did not need to know their address, after 6 minutes of arguing the rep gave me the address of XXXX XXXX XXXX XXXX XXXX, IA XXXX which is a different address to the one on their website which is XXXX XXXX XXXX XXXX, IA XXXX. On XX/XX/XXXX I sent out a cease and desist letter as well as a request of validation of debt letter via certified mail with tracking number to both addresses. The XXXX address signed for it on XX/XX/XXXX and the XXXX XXXX address signed for it on XX/XX/XXXX. It has now reached the 30 day period normally given to receive a response for the information requested as well as a letter stating they have received my cease and desist letters. I would just like the collections agency to return both verification that they have put my phone and family members phones on a cease and desist and I would like a validation of debt letter sent to me, so I don't have to worry about them in the future.
Consumer complaint received 2020-04-17
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: NCB Management Services Inc. (CA)

I have disputed account on my credit report held by : NCB MANAGEMENT XXXX XXXX on several different occasions. Credit bureaus keeps sending back verification without information as to who they got information from within debt collection agency. They state they will not reinvestigate conflicting information on my credit report I disputed reporting information XX/XX/2019 and XX/XX/2019 Account is being double reported against laws FCRA. There is also conflicting reporting of balance owed. Account was also changed from paid in full to charge off status in XX/XX/2019. I was never sent a re-insertion letter from this status change.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I, XXXX XXXX, had reported this crime to XXXX police in XXXX, online report completed on XXXX XXXX, and am submitting more detailed information below as being requested. 
I received an email from Capital One bank that an overdraft fee has been charged on my checking bank account. When I logged in to enquire what's going on, I noticed many transactions over last 10 days starting XX/XX/XXXX to XX/XX/XXXX withdrawing money from my account, none of which were done by me. I immediately informed bank and they froze the account. 
On talking to Capital one bank representative in person, I came to know that bank sent a debit card to our old address in texas ( XXXX XXXX XXXX, texas XXXX XXXX ). That debit card was never requested by us and we were not informed that it was being sent. We had no idea because we had stopped living at that address for 4 years and had moved to XXXX and XXXX XXXX. That replacement debit card was activated by someone on XX/XX/XXXX as per bank record and all fraud transactions were done with that card from XX/XX/XXXX to XX/XX/XXXX. The transactions were done at following addresses : XXXX XXXX, XXXX, TX on XX/XX/XXXX XXXX XXXX  store XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  store XXXX on XX/XX/XXXX We reported this crime amounting to loss of nearly - {$4000.00} to XXXX police online reports system on XX/XX/XXXX. Please help us. 
Bank is not helping and avoiding this by all means. Bank is trying to close the account.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

I filed my first unemployment clam on XX/XX/XXXX. It says that your card will be mailed out the first week you clam for benefits and it will take 7 to 10 days to receive in the mail. On XX/XX/XXXX i received a email saying that my replacement card is on the wat depending on the time and day tracking info be available. There was no tracking number or how it was mailed. XX/XX/XXXX i called was on hold 2 hours and hung up on. I try to contact via email or wedsite and cant because i don't have a card number. XX/XX/XXXX called 4 times got hung up after i finally get thur the 5 min automaton system. On the XXXX try i finally got put on hold for 2 hours and got hung up again. On XX/XX/XXXX called and was on hold for 1 hour and got thur to talk with someone. They told me i should of received my card the day befor and adviced me to wait to see if the card came that day. It did not come so it tried calling same day and yet again on hold for 2 hours and hung up on. XX/XX/XXXX, and XXXX same thang on hold for 2 hours and hung up on. Its very frustrating because i lost both jobs due to covid-19 and i have no money to pay my bills but i have over 2,000.00 from unemployment but can't get my money because i have not received a card and can not get a hold of the company to let them know i haven't received it.
Consumer complaint received 2018-11-30
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. (TN)

Accounts XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX   XXXX XXXX, XXXX  XXXX XXXX XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I recieved a call from the 1-800 number on the back of my debt card. The caller stated they were calling from the fruad prevention department of the bank, and he need to verify some information in order to protect my debt card because my pin was compromised and some one was on another line with him pretending to be me and trying to reactivate an old debt card. He called verified some information and then had me do some steps to set up a text protection for my debt card to ba able to verify every transaction I do in the future. On XX/XX/2020 I logged on to my online account to find fraudulent charges on my account, the total of {$710.00}. I reported to the bank that same day by calling the same 1-800 number on the back of my debt card. A claim was made and credit was put back in my account of {$710.00}. I reported it to XXXX  and put a one year fraud alert on my credit. XX/XX/2020 the bank denied the fraud claim and reverses the credit on my account taking {$370.00} dollars from my account and then putting my account into the negative, - {$330.00}. The bank stated that they denied the claim because they believed I was the one who opened a digital wallet and approved those charges. I appealed the decision. The claim was resubmitted and I was told that I would get a response in 3-5 business days, and no credit will be put to my account. So besides this thief that's stol {$710.00} the bank took {$370.00} from me, and I am left with no money to support my family while in the middle of covid-19 for what I see the next 5-8 days. On XX/XX/2020 I scheduled a payment withdrawal from my account of {$260.00} to the IRS to be paid on XX/XX/2020. Because the bank took my money the payment did not go through and i was charged {$34.00} for insufficient funds, now I also have problem with the IRS. I have explained to the bank several times what happened in detail and that I did not make those charges nor did I approve them nor did I try to open a digital wallet, my phone is not compatible with those kinds of apps.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX  was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.
Consumer complaint received 2020-04-17
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. (AZ)

I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (OK)

My spouse and I both have been writing to Hunter-Warfield for years disputing a debt that they have. My spouse who is totally XXXX was injured at an apartment complex. I wrote the collection agency and never got validation of the debt and advised them to cease and desist. Despite this, this agency continues to violate the Fair Debt Collection Practices Act and refuses to acknowledge any of my communications. They continue to call my cell phone numerous times of day via an automated attendant. I answer and no one is on the phone!
Consumer complaint received 2020-04-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

I once had a Money Market account with United Bank Which was recently transferred to Peoples United Bank. I have been having difficulties with them ever since, and have been trying to transfer my money out of the account and close it. 

I was told I am not allowed to transfer my money out of my Money market account which is unjust given it is my money. I was transferred over to three separate times to account specialist that never answered. I just spent 2 hours of my day trying to do this and have been getting the runaround. At this point, I don't trust this bank and I'm seeking assistance retrieving the funds that I worked hard for.
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I applied to the Paycheck Protection Program Loan with Bank of America on the very first day it was available. I met all their criteria : current business client prior to XX/XX/XXXX ( Ive been a business client since XX/XX/XXXX ), have a current lending relationship ( I have two lending accountsa credit card and a business auto loan ), and am XXXX XXXX XXXXr with less than 500 employees. 

I uploaded all required documents to their XXXX web portal, submitted all questionnaires, and waited for nothing as the PPP funds dried up. I was very timely in my application and submitted everything that was asked. I have yet to hear a response either in email, phone call, text, mail. Nothing. Yet Bank of America was able to process wealthier bigger clients who applied later than me. And now the PPP funds are depleted and I still have yet to hear anything from BoA.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On my closing day XX/XX/2019 my loan officer lied throughout the day via phone & email to myself, my realtor, & seller ( builder ) about my rights to change my rate. I believe the initial closing disclosure was fixed to sway me to make a decision my loan officer knew I would make. After making the decision the loan officer knew I would make, the final disclosure came back totally differently & I inquired on switching back my rate within the acceptable parameters. My loan officer stated the rule I pointed out to him no longer applies because of fluctuating market. He almost cost me $ XXXX dollars at closing. My loan officer also tried to scare me in pushing back my closing date & couldve cost me {$600.00} & three extra days to wait. I caught my loan officer lying to the seller explaining that I was outside the acceptable rate change parameters, which was lie. I have to believe my loan officer lied throughout my loan process as I asked about a XXXX ARM that is broadcasted on the company website and he told me they no longer do that loan. That ARM is still on their site & the rates were much better. I feel my loan officer set me up to get the most financial gain with lies. 30 mins before I was suppose to close on XX/XX/XXXX, my loan officer stop picking up the phone & couldnt be found. I had to have an agent get ahold of his supervisor who understood what I was trying to do & got it done within an hour. I had to push my closing back a few hours & luckily the law firm had an opening. It cost a lot of hardship on a day that is suppose to be happy. Weeks after closing, I receive an email from that Loan Officer congratulating me, couldnt believe it. I left a bad survey with company & requested to be contacted but no one has reached out to me. Leads me to believe that it is acceptable in this company. I really feel I couldve potentially had a better loan product & closing day if my loan officer didnt lie. There is no telling how much this has cost me financially, the prices I put are just what I know about. Along with the stress on closing day.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Have been trying to get a reinvestigation into the account from XXXX XXXX which is not mine and would like removed off my account, belongs to the other person from the account and been very frustrated in getting cooperation in getting it removed.
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986,  s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX I deposited a Social Security check in the amount of {$2900.00}. This is a government check and according to Reg CC Funds availability, ALL of these funds should be made available same day. 

On XX/XX/XXXX, I notice that TD Bank is holding {$2700.00} making only {$200.00} available. I called and their answer was because I made the deposit in person and not electronically, they could hold all but the {$200.00}. That's not what the Reg states.
Consumer complaint received 2020-04-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

I LEASED MY CAR ON XX/XX/XXXX AND MADE PAYMENTS UP TO XX/XX/XXXX WHEN MY VEHCILE WAS INVOLVED IN A FLOOD.AT THIS POINT INSURANCE SAID THAT THE CAR WAS TOTALED AND SAID THEY WILL TAKE CARE OF IT WITH THE LEASING COMPANY .AS OF XXXX XXXX XXXX ALL PAYMENTS WHERE MADE TO MY FINANCE COMPANY FROM MY INSURANCE COMPANY AND XXXX 
FURTHMORE, I RECEIVED AN ALERT XX/XX/XXXX ON MY CREDIT REORT THAT I AM 3 MONTHS BEHIND AND OWE {$1000.00}.
Consumer complaint received 2020-04-16
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: ID Analytics, Inc. (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-16
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: LEXISNEXIS (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-17
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. (AZ)

I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.