davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (FL)

I am writing to file a formal complaint against NCB Management Services regarding their aggressive and unlawful debt collection practices, which have had a detrimental impact on my financial well-being. Additionally, I am revoking all authorization for NCB Management Services to communicate with me via email, text, or telephone calls. 

NCB Management Services has failed to provide validation information for the alleged debt, as mandated by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place this collection on my consumer report, causing significant distress and harm to my financial standing. Furthermore, I have not been given an opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

It is evident that NCB Management Services has violated my consumer rights by engaging in false, misleading, misrepresentation, and deceptive means during their debt collection efforts. Their association with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, a company with a history of legal action for similar violations, raises serious concerns about NCB Management Services ' compliance with consumer protection laws and regulations. 

As per the recent federal lawsuit against XXXX, which alleged the denial of early motor vehicle lease terminations to servicemembers entitled to them under the XXXX XXXX XXXX XXXX ( XXXX ), it is clear that predatory behavior within the debt collection industry is rampant. XXXX 's previous settlement in 2015, where they faced allegations of repossessing vehicles without a court order, further underscores the systemic issues within the industry. 

In light of these violations and associations, I dispute any and all debts allegedly owed to NCB Management Services and demand a thorough investigation into their practices. Additionally, I request full and proper validation of any debts claimed by NCB Management Services, including documentation of the alleged debts, the purchase agreement between NCB Management Services and the original creditor, and proof of their licensing and bonding status. 

I demand that the Consumer Financial Protection Bureau take immediate action against NCB Management Services to ensure compliance with consumer protection laws and regulations. Furthermore, I request that any collection activities related to the alleged debts be ceased until these matters are fully resolved. 

Thank you for your prompt attention to this matter. I eagerly await updates on the status of my dispute and the actions taken by the Consumer Financial Protection Bureau. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Climb Credit Inc. (TN)

I cosigned a private student loan for my daughter. The debt was originally with Climb XXXX. My daughter and I reached out to climb XXXX on XXXX XXXX to advise that we would like to pay the debt. We was advised that the loan was no longer with them and given to collection company XXXX XXXX. The loan was sent to the collection company XXXX XXXX. The debt was paid off on XX/XX/XXXX in full and was advised that XXXX XXXX would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. My daughter received a letter through email from XXXX on the date of payment XXXX XXXX and forwarded it to myself. As of XX/XX/XXXX the debt remains on credit report with XXXX, XXXX, and XXXX. We called and spoke with XXXX at XXXX on XX/XX/XXXX and was advised that they had sent communications to all credit bureaus to delete the debit and that was for myself included due to being a co-signer on the loan. We advised XXXX that the debt was still present and XXXX advised that we needed to deal with credit bureaus directly. We called and spoke with a representative at XXXX that same day as to which we were advised they had not received any documentation from XXXX XXXX. 



The account number of the debt is XXXX
Consumer complaint received 2023-11-28
Product: Credit 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: DISCOVER BANK (CA)

ACCOUNT ENDING IN XXXX WAS COMPROMISED DATA BREACH AND IDENTITY THEFT BELIEVED TO BE AT HAND AS WELL AS TEXT SCAMMING AND BREACHING DATA. 
I HAVE REQUESTED A NEW CARD FROM DISCOVER WITH AN UPDATE AND THEY HAVE NOT REPLIED
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX XXXX XX/XX/XXXX LVNV c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Dear LVNV, Following my recent dispute regarding a different matter, I am writing to dispute another debt you have recorded under my name, specifically XXXX amounting to {$560.00} with an opening date of XX/XX/XXXX. I challenge the validity of this debt and require detailed verification from your agency in compliance with federal law. 

**Specific Dispute and Requests** : - **Disputed Debt Details** : - This dispute concerns the debt amounting to {$560.00}, opened on XX/XX/XXXX. I question the accuracy of this debt 's reporting and the lack of clear communication regarding its origin and validity. 

- **Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) ** : - An adequate opportunity to dispute this specific debt has not been provided, a right that is safeguarded by federal regulations.

- **Requirement for Proof of Debt and Certified Mail Receipt ( 12 CFR 1006 ) ** : - For this debt, I request proof of the original creditor 's details, the exact amount owed, any agreement that bears my signature, and evidence of certified mail delivery that I personally signed.

- **Misrepresentation and Deceptive Practices** : - Employing any misleading, deceptive, or false tactics in attempts to collect this debt would be in violation of the principles of fair debt collection.

- **Unauthorized Reporting without Adequate Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) ** : - The reporting of this disputed debt to credit bureaus without providing required legal disclosures and without accurate verification is a grave violation of federal laws and my consumer rights.

**Immediate Demands** : - **Comprehensive Verification of the Debt** : I demand a detailed verification of the disputed debt, including all relevant documentation that substantiates your claim to its validity.

- **Cease of Collection and Reporting Activities** : All collection activities and reporting of this debt to credit bureaus must be halted until the dispute is adequately resolved and the debt is verified as per legal standards. 

I anticipate a detailed response within XXXX  days of receipt of this letter, including the provision of all requested documentation and a resolution to this dispute. Failure to comply will compel me to take further actions, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice to protect my rights.

This letter is also being filed with the CFPB to ensure that my dispute is officially documented and to request their assistance in ensuring compliance with applicable laws and regulations.

Thank you for your prompt and thorough attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX  XXXXBalance $ XXXXDate Opened : XX/XX/2013 XXXX  XXXX  XXXXBalance $ 4,265.00-Date Opened : XX/XX/2013
Consumer complaint received 2024-02-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION (TX)

When loan was bought out from previous lender there was no deferred principal. Now M & T Bank added a deferred principal loan in the amount of {$20000.00}. My statement from the last loaner had no deferred principal on my statement or my IRS 1098 form for the year XXXX or XXXX. Where they came up with this additional loan amount - I have no knowledge of.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

PayPal said that my account was on hold for XXXX days due to suspicious activity but PayPal has no evidence to show or any proof and now i thought that i will get my money back after XXXX days but suddenly they already get my money without permission
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had Auto Loan with Capital One Auto Finance in XX/XX/XXXX. I had GAP Insurance, Extended Warranty & Full Coverage on the car when I purchased it from the dealership Off Lease. In XX/XX/XXXX I was in a NO FAULT car accident when I was hit and my car was ultimately written off as a total loss. I did file a lawsuit against the other party and it was settled and closed and XXXX XXXX XXXXXXXX did receive notice of this. In XXXX it was a collection placed on my account for {$1800.00} from Capital One Auto finance. Due to me being pregnant at the time I didnt have the mental capacity to address this matter. But, at the end of XXXX, I did an online dispute with XXXX for this balance because I was unaware what it was for. The account came back validated but no follow up from the credit bureau with proving me how it is my account. Then in mid XXXX I applied for an apartment for me and my son and was denied due to something on my credit. When I checked my credit my Collection was updated to a Repossession. I wrote letter to the credit bureaus and Capital One requesting the print out with the breakdown of the fees I owe. No response. Due to me being a full time XXXX XXXX  I didnt have time to call Capital One. I finally got a chance to call Capital One on XXXX/XXXX/XXXX and spoke with XXXX XXXX. She basically explained to me that they told the bureaus it was a total loss but the use R to label it. Which I feel is wrong because my car never got repossessed from me. I also asked her what the balance is for and she stated its just a Total balanced due on the account. I asked her what specifically is it for. She responded its not for any late fees, monthly payments, the interest rate was written off, GAP covered theyre portion, its just a Total balance due and that I can settle it with a monthly payment plan. I proceeded to ask her IF I do decide to settle it, which Im not. My next question will be what is the balance due for in regards to the lease. She still could not give me any accurate information. I asked for a early dispute since this years my 7 years since the opening of my account and its being incorrectly reported wrong and differently over all three bureaus. They couldnt offer me that or an explanation on the amount I owe.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I went to TD bank today, XX/XX/2024, branch XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX Florida to withdrawl {$8700.00} to pay workers home repair and they said they did not have that amount! And they called another branch on XXXX XXXX and XXXX XXXX who also said no. How can a bank not have money? It's not millions. I knew limit on ATM but nobody ever said anything about other withdrawsl. So I had to make a REQUEST and they said I could have MY MONEY BY NEXT FRIDAY!! XX/XX/XXXX. Meanwhile work on my home stopped. This seems ridiculous. Somebody please look into this- how can a bank not have money on hand.
Consumer complaint received 2021-02-21
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. (FL)

I went to a XXXX XXXX  and asked for my XXXX XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on my report
Consumer complaint received 2019-05-28
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. (TX)

I have tried since XX/XX/2017 to have Experian, XXXX & XXXX correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

received notice that someone ordered a credit report. it was bank of america. someone applied for and opened a credit card in my name. it has been closed and a fraud statement issued, bank of america said i could be told how that application was made but after 7 phone transfers i do not have that info. i NEED to know if it was an online application, phone request or mail in so i can determine the extent of this fraud.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear 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 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Two complaints 1. My account has been placed in forbearance without my approval. I have called multiple times and even sent a written letter requesting they take my account out of forbearance immediately and they keep renewing the forbearance. It's been nearly a year of missed payments towards my loan forgiveness. 
2. Since entering the loan forgiveness program there has been no documentation of monthly payments that are {$0.00}. To qualify I need to be enrolled for 240 monthly payments based on my income. My income has been very low for the majority of those payments so my monthly payment is {$0.00}. But they are not keeping a record of this, so I had changed it to automatically remove {$0.00} from my account just so there would be some sort of record. Then they placed me in forbearance.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

I rented a car from XXXX Car Rental at XXXX airport on XX/XX/23 and returned it on XX/XX/23 per the agreement. This was an XXXX with a charge of 70 % when delivered to me and 82 % when returned. Based on negligence or fraud, XXXX claimed it was returned with a 50 % charge and increased the amount submitted to Chase, the servicing institution for my XXXX XXXX XXXX branded card. I attempted to submit a dispute for the {$35.00} overcharge and was advised that Chase does not involve themselves in this sort of dispute. What I would appreciate from you is a determination whether this meets the bank 's obligation under existing law. I can not see how an improper fuel ( electricity ) levy differs from any other and why the submitting company ( XXXX ) is not required to prove this is a valid charge, which it is not.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I filed two separate Feedback Cases with the Department of Education- Federal Student Aid ( DOE ), back in XXXX and XX/XX/XXXX after having received notification from my loan service provider, Nelnet , that I owed over {$21000.00} in student loans ( including interests ). Nelnet was contracted by DOE, and obtained my student loans on XX/XX/XXXX. I provided both DOE and Nelnet with personal bank statements ( XXXXXXXX XXXX XXXX ) showing that I had issued three separate payments, totaling {$21000.00}, during the COVID-19 Emergency Relief- Student Loan freeze, thereby paying all my DOE-held Loans, in full. I was also informed by Nelnet that check ( s ) were issued to me. I never received any monies from DOE or Nelnet, and was never notified that a refund was approved or that check ( s ) were being issued to me. I informed Nelnet that I did not receive said check ( s ), and never cashed said check ( s ), and that I wanted to file a claim with them concerning this. In XX/XX/XXXX, I filed a Claim with the US Department of Treasury relating to the Nelnet-referenced check that had purportedly been issued to me, and cashed by unknown individual ( s ). In XX/XX/XXXX, DOE notified me that they were closing my Feedback Cases, and were referring my complaints to Nelnet. On XX/XX/XXXX, Nelnet responded back indicating that a Fraud Investigation was opened in XX/XX/XXXX, and that in XX/XX/XXXX the Department of Treasury reissued [ my ] refund checks, but they still contended I owed them {$22000.00}. On that same day, I contacted the US Department of Treasury, who informed that that they are still waiting to obtain additional information from DOE concerning my check ( s ), and that a check in the amount of {$16000.00} was cancelled and reissued to the DOE. At this point in time, both DOE and Nelnet have repeatedly refused to address my allegations, repeatedly failed to comply with the timelines set to inform me of any outcomes/findings, failed to verify that full payments of the loans were made, failed to look into the allegation of identity fraud and check fraud, and failed to have open and transparent communications with the US Department of Treasury and me concerning the allegations.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

I applied for the SAVE program on XX/XX/XXXX, my loan servicer is Nelnet. I have struggled to get information from them on the status of my application, it has been over 6 months. I have repeatedly logged in to get more info on if my status has been approved, which in XXXX XXXX XXXX XXXX of XXXX included a message about how I had been sent more information via mail or email. I never received any email or mail with more information for next steps. I verified both my mailing address & email were up to date, I just wasn't getting communication. I called, connected with a representative after 3hrs on hold early XXXX of XXXX, who told me I needed to pay a {$5.00} for changing my plan, which I paid over the phone. About a week after this call on XX/XX/XXXX I finally received a virtual letter in my account inbox stating I needed to send in {$5.00}, which had already been paid at this point. I received no more updates except for a pop-up on the website telling me that my " loan is still processing, check back in 10 business days. ". I called today for another update ( XX/XX/XXXX ) & was told by a rep that I should be getting emails or inbox messages on their website every 10 days from Nelnet with updates on my loan. I have not received these, which the representative confirmed on their end as not being sent to my inbox. I am on an administrative forbearance til XXXX while they " process the application '', but I am still accruing interest daily, which I have been for over 6 months now. I can not get answers, they just say the application is still in process.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

XX/XX/XXXX, I was contacted by phone number XXXX, by a person claiming to be with an office with XXXX XXXX. He asked if he was speaking to [ he stated my name ], I said " Yes. '' He informed me of an open civil matter case, and needed to get me in contact with that office. I was given a case number ( XXXX ) and phone number XXXX, and was told to speak with a " XXXX XXXX ''. He asked if I had any outstanding balances, and I said " No I'm current with all my bills. '' I hung up and called this number. I was immediately put on hold, then asked for my case number. I was connected with a " XXXX XXXX '', who claimed that XXXX XXXX was his clerk. XXXX stated he was with " XXXX XXXX XXXX. '' He was informing me of a lawsuit for an outstanding credit card balance, with HSBC and XXXX XXXX. He stated they attempted to send me this documentation and a request for payment. I received nothing. He read aloud my address, and I confirmed that was correct. Still, there has been no communication from that company about any outstanding balance. XXXX claimed it " dropped '' off the credit reports after a certain amount of years, and this was last reported to the credit bureaus in XXXX. He stated the debt could've been brought back up if my status was found " worthy of litigation '' just because my " profile '' showed I held a job. 
It's been 14 years since those dates he claimed. I found out that statute of limitations with Arizona wouldn't allow any collection attempt over 6 years, regarding a credit card debt. He claimed they could " negotiate '' with XXXX and XXXX Bank, to pay off {$3200.00}. XXXX stated they ( XXXX Bank XXXX were trying to sue me for over {$7000.00}! 
I made no agreement to make any payments to them. I stated I would look through my own paperwork to see what I could find, regarding this so-called debt.