davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I deposited a {$9400.00} check from my payroll company, because I was laid off. I deposited the check in the ATM. Not until after the transaction was completed did the receipt tell me a Hold was placed on the whole deposit, not just a portion. And the Hold was placed for over 7 days until XX/XX/XXXX. Without this money or a portion of this deposit it has caused my family and I a hardship, bills have bounced and more will bounce. I asked the bank can they make a portion available and they give me a scripted answer they are waiting for the check to go through a 3rd party verification, and maybe I should have direct deposit. And I explained I was laid off and this was a check given to me from the payroll company, and I previously deposited a check for a lessor amount a week and half ago from the same company and my direct deposit every week from my previous employer was from the same company but they would not budge. Furthurmore I asked if they would refund any fees associated with any bounced payments and they said " No ''. I even asked If I call the Payroll company and verify if the check has cleared their acct could they release the funds they said " No ''. If I had known a Hold was going to be placed I would have tried to cash the check before depositing in the ATM, I even asked the bank teller minutes after if I could get the check back and she said " No ''. As you can see from my attached receipt I was trying to make sure I cover my bills that were set to go through!! I bank with Bank of America
Consumer complaint received 2019-04-06
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: International Computer Systems, Inc. (GA)

XXXX XXXX XXXX {$530.00} There is no valid claim, no contracts exist ... account was settled with original creditor and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) (  A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-04-09
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)

I have contacted XXXX  and Equifax about multiple accounts that are showing on my credit report that do not belong to me. I have contacted XXXX  and Equifax by phone and by regular mail and certified mail multiple times and provided them a copy of my recent credit report outlining that I was a victim of identity theft/identity fraud yet they have refused to act in compliance with the FCRA Section 605 ( B ) by utilizing my police report and blocking this fraudulent information from my credit file. There are multiple accounts on my credit file that do not belong to me, and I have painstakingly attempted to resolve this with them. The following accounts do not belong to me : XXXX XXXX Credit Card with a balance of over {$8000.00} XXXX XXXX XXXX loan with a balance of over {$3000.00} A XXXX XXXX Credit Card that has no balance, but is still not mine and the credit limit is around {$30000.00} These are not my accounts and were opened fraudulently in my name by a thief using my correct personal information that was obtained unlawfully.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

My mortgage payment went from {$1600.00} to {$1900.00} starting XX/XX/XXXX. This is due to new escrow analysis and an astronomical increase in homeowners insurance! Needless to say, I need help with this. I changed from XXXX XXXX which was clearly overcharging me. Now I need Ocwen to redo my escrows immediately so I wont be late on my XX/XX/XXXX mortgage!
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MD)

I received a call on my cell phone from a company wanting to verify my address so that they could provide private information to me. I kept saying that they had the wrong address and I asked if I could receive this information by mail. The lady said credit management company does not mail but I could check it out online at creditmanagement online. I never opened up a XXXX XXXX XXXX bill in XX/XX/2017 and she told me she is collecting a debt for approximately {$250.00}. I said I am going to dispute the debt and I am not paying her. I should not have given her the last four digits of my social and my updated address.
Consumer complaint received 2019-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (ND)

I previously attempted to contact Navient the servicer of my student loans in reference to a tax return that was taken to offset the balance owed on the loan accounts ( 3 total loans ) when attempting to obtain information the company refuses to communicate with me via electronic mail indicating that I must call them, however I do not have access to phone service to do so. Navient has taken funds from my tax return in the amount of roughly {$1300.00} at the time when the amount due on the three accounts was roughly {$700.00}. I have not received any dispersement of funds from my tax return and furthermore, Navient has not posted this payment to my accounts. The letter recieved from the IRS clearly indicates that this is a payment and an over payment of debt was not authorized. Navient refuses to communicate any account information to me, will not refurnish statements for correct reporting and has been previously notified of a billing error two weeks ago. Per federal guidelines, validation and verification debt including the correct amount owed must be validated within 30 days of the original notification of an error. In addition failure to do so is a violation of my consumer rights under the FAir Credit Reporting Act and is a direct violation of the lender under the Truth in Lending Act. I have since without any assistance from the lender was forced and coerced into deferment status on my loans without any assistance or explanation because I could not clearly understand my options for resolution and the representative assisting via email would not discuss my options only over phone even after telling them I did not have access to a phone. I feel additionally discriminated against because I no longer have a phone service and do not have access to one. Additionally my loan agreement does not require a phone contact nor does federal regulations and law require that a lender only do business via telephone. As required by law, Navient must also be able to furnish the same account information and assistance via mail through the postal service or similar mail carrier. I have since updated my contact information to reflect the correct address, despite being contacted via mail previously to the correct address prior to this incident, so that Navient can respond via mail a hand written response answering all of the concerns listed here.
Consumer complaint received 2016-06-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

My loan officer, at the time, XXXX XXXX lied to me over and over again and cost me time, money and XXXX homes. He kept lying about the numbers and when I called to report him ( I called over a 100 times ) no one would return my calls. He has since been terminated due to fraud, but they refuse to make me whole my waiving their origination fees. They also lost my personal paperwork. I had to submit documents 3 times over, the same ones and no one can tell me where they are. For all I know, XXXX took them when they left. Someone needs to look into the practice of this company because I think they would find that quite a few rules are being broken. They are also nonresponsive and I believe they drag their feet so they can find ways of weaseling more money out of you. They also keep changing my numbers. My closing went from XXXX to XXXX in a matter of hours because they allegedly left things off. I ca n't trust a word they say but I 'm in escrow and ca n't afford to change lenders. They also lied to me about what I would need to secure the loan. After XXXX was fired they told me I would have to jump through so many more hoops that they did n't initially tell me about. At XXXX point they lied about the kind of loan I could receive and I had to pull out of a contract for a own because a week after signing the contract they call me and say we do n't off those types of loans anymore.
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Debt Holdings, LLC (PA)

Hi, My situation did not really fit a few of the questions / topics to pick from so I just picked the topics as relevant as I was able to. 

I am in the process of cleaning up my credit and paying past debts / getting accounts out of the derogatory / collections status and I notice that there is a company abbreviated XXXX/XXXX. I do acknowledge that I owe the debt. This account was opened in XX/XX/XXXX and it was last reported in XX/XX/XXXX with an outstanding balance of {$630.00} ; the payment statuses are : XXXX - " charged off as bad debt, purchased by another lender '' / XXXX - " purchased by another lender, unpaid balance reported as a loss by credit grantor '' / XXXX - " account transferred or sold, charged off account. '' I called the company directly and they informed me that it has been sold to United Debt Holdings and provided me with their phone number. I reached out to United Debt Holdings several times looking for live person but got a voicemail instead promising that someone will reach out to me 24-48 hours. After making several more phone call attempts, I searched the internet for their website and other valuable information I can use to get in contact with them. After trying to get to their website with no avail, I checked the company out on the XXXX  ( XXXX XXXX XXXX ). Much to my surprise, I find out that they have went out of business, they're not accredited with the XXXX, they are numerous complaints similar to my situation and that United Debt Holdings have been giving people pretty much to same responses. There was a response from United Debt Holdings on XX/XX/XXXX that they are no longer in existence and all assets have been transferred to XXXX XXXX XXXX XXXX XXXX. I tried calling them but it's the same situation at United Debt Holdings. I'm devastated to experience all of this as a person that is trying to improve their credit / finances, etc. I want to be able to pay my debt without having to worry if it's a scam / negatively affecting my credit. 

If you're able to help shed light on this situation, I would greatly appreciate it.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

I opened the Target RedCard Store CreditCard in XX/XX/2020. 
Ive been using the card. But I didnt use the card for couple of month later. 
On the XX/XX/2020 I tried to place an order through target store app but it did not go through. 
I called and was told that the card was closed due to inactivity. I was infuriated because at least theyd have notified me about the actions they were planning to take. I requested to speak with XXXX a supervisor about the situation to see if she can resolve it but to no avail. The confirmation number for the call with her is XXXX. 
This is so so so disrespectful and in a logical sense describes the relationship between corporations and consumers- they advertise to you and throw you out when out whenever they want. 
They didnt see me human enough to notify me of their actions before they take, neither did they see me human enough to reconsider and resolve it.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I made an attempt to use my Macy 's American Express Card in XXXX and was informed the transaction was declined. Called Macy 's regarding this matter and was informed my account was closed in XXXX XXXX, my XXXX Credit Report dated XXXX/XXXX/XXXX clearly states my account was not in a closed status until XXXX XXXX, I still was not notified by a letter or on my statement. I had called customer service and ask why I had a XXXX limit, I was informed I still was able to use my card and disregard the XXXX available credit line. I also called XX/XX/XXXX to inquire about my credit rating on my account and received a letter stating they could not change the 60 days past due, again never informed me the account was closed. I had some financial difficulties XX/XX/XXXX and worked with Macy 's credit to keep my accounts going, I was able to get back on track in XXXX XXXX. Why was n't I notified my account was closed and why they led me to believe my account was in good standing when I made payment arrangements to keep my account in good standing. Why was n't I notified my account was closed when I inquired XX/XX/XXXX and received a letter in the mail that the 60 days past due was going to remain on my credit, why was n't it stated account closed on my Macy 's American Express statements, why no indications when I make an an online payment, why does the automated system says I have {$440.00} available, why no letter?
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

I wil need to go back through my phone records for dates. If it comes to that I will. I recently moved XX/XX/XXXX. During my move I purchased a home and had trouble getting closing information from 5/3 bank that the title company said that they never have these problems. After I moved I switch my checking and savings account from 5/3 to  XXXX XXXX. I had to call them three times and numerous emails to close 2 savings accounts and one checking account. They charged me fees in the interim because of their incompetence which I paid to avoid credit issues I also stopped my credit card acoount with 5/3 bank after I had another fraudulent charge. They said they wanted to send me another card. I told them NOT TO SEND THE CARD! They did not send the card. The card has charged on it and I never received the card! I talked to their security department and their no coustomer service department for over 1 hour and got nowhere. I just received another threat to get payment for something I never purchased. I told them to send me an affidavit and they have not. HELP PLEASE.
Consumer complaint received 2019-03-15
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. (TX)

I filed a CFPB claim against XXXX XXXX XXXX reporting an auto charge off that is reporting after the statute of limitations. They sent a letter to me on XXXX2019 stating that this account was sold to the third party NCB Management and consequently they are not able to take any action. Now I am filing a complaint against NCB for reporting an account that is over 7 years from the date of last activity. I have included the letter from XXXX to prove that this account is over 7 years old and they can not do anything as this account was sold to NCB.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

On XX/XX/XXXX I asked for a personal loan from XXXX XXXX XXXX XXXX XXXX. for {$500.00}. After that I was paying on cash back to the loan. After 5 years of paying the minimum payment I still have the debt but now the debt increase because they said that issued a check for {$1000.00} written XX/XX/XXXX and {$700.00} of XX/XX/XXXX.The problem is that I never received those checks. Then I started investigated by myself. I hired an Attorney but anybody gave me a good answer. I obtained a copy of that check, proof 1 back and fort of the check No XXXX. the said that my complaint did not proceed because the check It was signed for me. The reality the check I have never signed or received. During that time I was in the hospital. 
Until today after fighting 2 years trough attorney, and letters.. I still have problems with the check. 
Any body believe me. I am desperate everybody said that I can not do anything about that debt.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclays reported to the Credit Reporting Agencies that my father was deceased ( he's alive ). 

As a result, my father ( whom I have a power of attorney for ) had another credit card close his account causing direct consumer harm. 

Barclays has received no information indicating my father passed away, and has directly violated FCRA and UDAAP. 

I have called Barclays, and each time their office seems to have limited understanding/knowledge, and has not been able to provide any information. I have been transferred to a voice message. Each phone call is spent confirming PII for customer verification, blind transfers where I am forced to repeat all of the same information. 

Barclays requested speaking with my father, and I advised them I am handling his business. Barclays further insisted on speaking with my father, and I advised the point of a POA is so I can handle his business for him. I resent the POA to Barclays twice.

When I called XX/XX/XXXX, I was transferred to Barclays outsourced ( XXXX office ). I advised them that my father is not dead and asked what is being reported to the CRA 's. 

I was advised they would investigate and determine in 7-10 days. I asked how I would be advised of the resolution, and I was told I could call back. 

Additionally, I advised that a payment was sent in XX/XX/XXXX or XX/XX/XXXX and advised that I have not received any further bills. I asked how I could be provided, and no indication that I should anticipate receiving anything.
Consumer complaint received 2019-04-05
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. (LA)

Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-03-15
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. (FL)

XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/2018 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 2020-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (VA)

Today I received an alert from XX/XX/XXXXthat my Victoria 's Secret Comenity Store card dropped my credit limit for no reason. When I called Comenity, I was told by XXXX, XXXX and XXXX ( Supervisor ) that they received a notice from the credit bureau and they dropped my limited from {$400.00} to {$100.00}. I have been with them since 2016. Years of on time payments and no late payments. I had not used the card in almost a year. I have not received any notice from Comenity as to why the limit was decreased. I contacted XX/XX/XXXXand they told me that they advised me they do not report back to the credit card companies. Comenity advised me to write in a dispute to the credit bureau but I do not know what I am suppose to be disputing.