davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (PA)

To whom it may concern : I have had a TD bank credit card since XXXX as I am told by them. I do not personally remember when I opened the account. It had a XXXX limit. I have been a member of TD bank and currently have other credit cards of theirs for years, since back when TD bank was XXXX XXXX. I have good credit and have never had delinquency issues with TD bank and have an excellent payment history. I had a credit card with them that I did not use for a period of time so I received a letter from TD bank in XX/XX/XXXX saying that if I did not use the card they would cancel the card on me. So since I did not want to lose this card I decided to start using it. I proceeded to use the card for 2 months charging over 800.00 on the card. The card was set to expire in XX/XX/XXXX and I thought I would get a new card in the mail since I proceeded to use the card and pay 2 monthly statements. I called up TD Bank and asked them when I would receive my next card. TD bank told me that they canceled the card and would NOT send me a new card due to inactivity. 
I told them I was using it and they knew I was using it! They still said that since it wasn't used for a period of time they were canceling it on me. My question is why did they send me the notice letter if they were cancelling me anyway!!? I felt robbed out of XXXX because I would not have used it but for the notice letter I received. But it isn't about the money but the fact that they canceled my credit card period, my revolving line of credit. TD told me I could reapply if I wanted to, knowing that that would cause a pull on my credit just so they could deny me or give me a lower limit! I feel robbed because I did what I was supposed to by using the card and paying 2 month 's statements.They should have done what they said and allowed me to keep the card open. I also called TD later to ask them to withdraw my wife as an authorized user and they told me I couldn't because the card was in canceled status. I lost my points also on anything that I bought. This is not right and I am formally requesting a complaint against TD credit card services and bank. I want my credit card opened up again, not only for use if needed but also so I can remove my wife from the account, so she isn't strapped down with debt that is mine.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

I have made over pmts when I can because I know longer have a monthly income. I Noticed my XX/XX/XXXX/XX/XX/XXXX/XX/XX/2018 I over paid and was charged my counties 6 % for the over pmt amount instead of the {$19.00} sales tax per signed and agreed upon contract that the base would be {$320.00} but {$320.00} it fluctuates monthly and sales tax should be {$19.00} but also fluctuate to {$19.00}. The problem is that when I made a overpmt they taxed me the 6 % on my over pmts that I'm not due for for XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX. I have been told several lies and denied to credit me the extra taxes they charged on a over pmt, I was told the 1st call about it, something was offset in XX/XX/2018 and when I made the unexpected over pmt it corrected the issue, I then asked what was offset and she/rep could not show any prove to what she said. She then says the {$11.00} credit charged sales tax from XX/XX/XXXX went to next month bill but I was charged even more sales tax because I paid {$540.00} so they taxed me 6 % again on my over pmt amt, my lease pmts are {$340.00} and they say they can charged me more in taxes when I over pay. So Iam being penalized for paying in advanced!!! I explained, I was in a car accident and lost job and have NEVER been late. I have been told more lies and they blame it on the state/county, I explained I'm in same state I purchased vehicle as they can see on account and Michigan State and ALL counties taxes are 6 % after they tried to say it's the state taking more taxes as if I did not sign a contract agreeing to a set amount. I ask, If I can pay upfront what's left of the taxes of XXXX on the car and was told no and in the future will continually be charged more taxes if I over pay which breaches the contract on a set amount to be allocated correctly, I set the contract up to only pay what the contract states, what I'm obligated to pay and NON MORE. The recorded calls will show that they are liars, this last supervisor that I talk to today said our call was not recorded which should not be legal when their is a discrepancy. I know longer want the vehicle because they XXXX a XXXX XXXX XXXX! I will never get another vehicle and will push for others to do the same because XXXX is a XXXX XXXX. Thank you for your time reading my complaint and hope I don't have to get a class action lawsuit together because the people who can afford to pay more is not cheated like they do the elderly.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc (OH)

.I have a a unverified account from NATIONAL SERVICE BUREAU , INC . I had previously disputed this account. I have never done business with NATIONAL SERVICE BUREAU , INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that NATIONAL SERVICE BUREAU , INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NATIONAL SERVICE BUREAU , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I am closing on a house and was informed I needed to unfreeze my Equifax Credit Report ( I had not placed any sort of freeze on that report, nor have I interacted with Equifax Prior to this. ). Earlier this month I downloaded the " Freeze Request Form '' from the Equifax website and mailed all necessary documents and information to their mailing address in XXXX XXXX Texas. To expedite the process I had those documents priority mailed on XX/XX/XXXX. Those documents arrived to the mailing address on XX/XX/XXXX and were signed for. 

That however, did not resolve the issue and I contacted Equifax. Equifax instructed me to fax them a copy of my driver 's license, social security card, and birth certificate to verify my identity. Those documents were faxed on XX/XX/XXXX. I immediately called Equifax informing them that I had faxed all the pertinent information. I was told they would be processed in 3 to 5 business days. I contacted Equifax each day I could to find out if my documents had been processed. I was told to check back on Tuesday XX/XX/XXXX as that would be the latest they would be processed. On XXXX I contacted Equifax and was told my documents had not been received. The agent informed me that she would work to expedite the process and told me to give them a few days and call back on Friday XX/XX/XXXX. The agent provided me a number to call on XXXX and their name. 

On XXXX I attempted to contact Equifax with the number I had received from the agent on XXXX. The number directed to an automated line to a completely different department and when I finally spoke with an agent I requested the agent I received the number from. I was told that I could not be connected with that agent. Going into XXXX XXXX Weekend I had to wait until today, XX/XX/XXXX, to contact Equifax and did so with my lender present. 

After multiple calls to Equifax I was told, for the first time, by an agent that they had no credit file for me. I was told to contact my creditors to ensure that my information was being reported to Equifax. I then contacted all of my creditors and was assured that my information was being reported to all three credit bureaus. I have had established credit since XXXX. My lender has had no issue pulling my credit reports from XXXX and XXXX. After contacting Equifax again I was provided no assistance in figuring out what needed to be done next. Nor could I be told why Equifax has no record of me in their system when I have had my lines of credit for nearly four years. 

This issue could be detrimental to my ability to close on this house.
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

We were informed by SPS that they have 30 days for the short sale decision. On XX/XX/2019 marked the 30th day so we called to follow up and they said that they still need some documents from the investor to complete the short sale review. This is not acceptable. We have waited for months not just 30 days after they ran around with the file. 

Now, that the 30 days lapse they will tell us another reason. This lender is worst of all lenders. We have been very kind and patient all throughout but to wait for months is not acceptable for all parties involve who invested their time and money. 

We would like for SPS to approve the short sale ASAP and get this done. CFPB has the right to call out their wrong doings. This is unfair to all their clients. The time spent for the review is outrageous. 

We hope you can help us on this matter as soon as possible.
Consumer complaint received 2019-05-28
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. (WA)

I applied for a debt consolidation loan today, XX/XX/XXXX, and Experian has reported that I have a serious delinquency on my credit report. I have seen this shown on my credit reports before and I am unaware of any delinquencies as I have been making payments on time for 10 years. I want to know what delinquency it is referring to and get it cleared from my credit report. I had one delinquency in XXXX with the Veteran 's Affairs that was cleared almost immediately and I was wondering if this is the source of my current " serious delinquency ''.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (NV)

Recently signed up for monitoring company in which I first noticed fraudulent account reporting from company Monterey Collection SVC XXXX XXXX XXXX XXXX CA. I have no relations to think account this is a result of identity theft as I have reported to the FTC as Identity theft and seeking that it be removed as soon as possible.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2019-05-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

An attorney named XXXX XXXX XXXX took XXXX $ cash money from me and XXXX $ from my mother - she has my original deeds, documents and more and refuses to give them back. XXXX has not given me proper legal representation which has resulted in a myriad of legal and financial and family problems- I have been taken advantage of and my ex husband as well as the city of XXXX Ky stand to gain a huge amount of money from me by fraud. The mortgage company XXXX - DBA Mr Cooper has tried to foreclose more approx 4 times. Im positive the mortgage has been satisfied and there is money due me from equity paid in - I believe it is in the title companies name and I want my money back ASAP.
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

I called PNC Bank to ask to have my PMI  removed. They said that I could not talk to the insurance   administration directly, that I had to send an email and all communication would be sent via mail. I find this very frustrating that I can not talk directly through email or a phone call regarding the PMI, that I have to communicate through mail. This takes a very long time, and seems to be a tactic to discourage people from getting their PMI removed. I received a letter about one month after my call stating that they could not remove my PMI because my loan to value ratio was 85 %. The letter stated " At the present time, the loan to value ( LTV ) ratio is 85 %. The investor requires that we calculate the LTV by dividing the current principal balance, {$260000.00}, by the purchase price, {$300000.00} or by the original appraisal value, {$320000.00}, whichever is lower. {$300000.00} was used in determining your LTV ( PNC Bank XXXX ). Then another letter came in stating that " The investor requirements state that you must show proof of value of your property, which would reduce the LTV to 75 % ... Loan investor requirements state that the appraisal must be processed by PNC, National Association ( PNC Bank XXXX ). '' To summarize my issues : 1. I can not speak directly to the PMI department of PNC Bank. All communication is through an initial email and then only mailed letters that are 30 days delayed. 
2. PNC will not use my original appraisal value, instead they choose to use the lower value, which is the original sale value to calculate the loan to value ( LTV ) ratio. 
3. PNC imposes a stricter LTV of 75 % rather than the Federal LTV of 80 % 4. PNC required me to use XXXX XXXX, which is jointly owned by PNC and XXXX at {$500.00} for an appraisal. They also will include additional fees if I live in a rural area ... which is not defined. They will not allow me to use my own appraisal company. 
5. The letter states that the appraisers scheduled by XXXX are independent contractors and are not employees of XXXX XXXX or PNC. I don't understand that because the company is owned by PNC, therefore they are employees of PNC and are not independent. 
I greatly appreciate you assistance. As of this year ( XXXX XXXX ) I have paid {$650.00} into the PMI that should be going towards payment of my home.
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)

on XX/XX/19 I submitted a dispute to Experian regarding the XXXX XXXX XXXX account that is reporting. Experian stated the account was valid. on XX/XX/19 I requested Experian provide me with the details on how they validated this account. Experian has not provided me with the details on how they validated the account. Experian is in violation for not providing me with the information I requested. 

I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. 

So clearly this account was never validated and can not be validated.
Consumer complaint received 2019-05-28
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: ERC (MI)

After checking my credit report in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor multiple times in XXXX and now in XXXX to make them aware of the inaccurate information and advise them of what I noticed on my reports. I was able to get in contact with XXXX, XXXX, and XXXX to place a fraud alert on my credit report to be cautious. I have never had a contract with ERC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. ERC states that they have validated the debt, however, I never received a copy of the original creditors contract with my signature on it. I never had an account with XXXX and the debt is not my. This is fraud and against the law to keep this on my credit report. My credit report states that this was paid after the account was placed for collection - I have never paid an account with ERC/XXXX. This is negatively impacting my file. I have been disputing this for a while now and this has hindered my credit file tremendously.
Consumer complaint received 2019-05-24
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: Real Time Group, Inc. (CA)

The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. 
BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.
Consumer complaint received 2019-05-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GMA Investments, LLC (TX)

I have received several call from Summit Receivables. They tell me this is my final notice before they submit my file for pre-legal action or statements of a similar nature. I have explained many times that the dates they said I received a loan and the amounts do not match and I asked for verification. They repeatedly tell me I already have that information and do not acknowledge my request. They tell me there are additional fees and interest that have been added to the debt but refuse to tell me how much and who is charging it. I keep asking for more information and they ignore me completely or say to contact the original creditor XXXX  myself. I have tried that several times but have difficulty getting through. I want a broken down invoice stating what I owe and why. They have never sent that to me. I have had this removed from my credit report before. Please have them stop contacting me if they do not intend to verify the debt that has already been removed from my credit history. They call me from XXXX.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A. (GA)

I have been contacted by a firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX,, Georgia XXXX they first called themselves, XXXX, XXXX XXXX XXXX XXXX for a debit I could not have incurred as it was when my father was Ill and later died. Then with the same address a group called Pollack and Rosen did the same thing, both representatives threatened to sue me for a firm XXXX.
Consumer complaint received 2020-03-19
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.