davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (PA)

Filed with PA Attorney General Office who recommended I contact you. The letter I sent them is stated below : Time-line 1. Opened checking account with TD ( XXXX PA, XXXX branch ) on XX/XX/2018 with {$100.00} cash and was only informed that any check deposits would clear in 2 days with me able to receive up to {$100.00} of the deposit right away. 
2. First payroll check deposited on XX/XX/2018 3. Next weekend ( XXXX XXXX ) I was in XXXX XXXX, and I noticed " holds '' placed on my account for 10 days. 
4. On XX/XX/XXXX I went into the XXXX branch and spoke with " XXXX   '' she made me feel that it was my employer 's bank that was holding my funds, my employer investigated it and stated with proof that the funds were released from XXXX to TD on XX/XX/2018. 
5. I immediately returned to the TD XXXX branch and informed them of this and " XXXX '' stated that the XXXX branch does not have a " branch manager '' who could advocate my case, I said that is ridiculous and attempted to contact TD 's customer service and was told my account was " frozen ''. 
6. I then realized that bills I set up for payment from this account would bounce and incur " overdraft fees ''. 
7. I really felt helpless TD had my money holding it I believe on purpose just to incur " overdraft fees '' a breech in public trust. 
8. I contacted my branch and the TD web site number and was told that TD has the right to hold MY MONEY for 10 days when they see fit. Yet TD never informed me, If I knew that I would not have set up my bills to be paid. 
9. While contacting TD via the internet I came across many customer complaints and I wish I would have viewed prior to my opening a new account. 
I believe TD operates under false pretenses take a look at : http : //www.tdbank.com/XXXX  " Bank Human - If something matters to humans, it matters to us '' TD Bank . Really, I don't think so ; something is definitely changing about the way TD operates. I am just a young guy who is trying to establish himself in this world and institutions that you trust your money need to be held accountable. 

Very Truly Yours, -- -- -- -- -- -- -- -- -- -- -- -- References : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and lots more if one has the time or resources that claim TD is not operating as expected regarding the public trust.
Consumer complaint received 2018-07-20
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. (TX)

Equifax has failed to properly handle our fraud dispute i have submitted 4 letters starting back in XX/XX/2018 about the identity theft.They have violated FCRA i have receipts from the post office that they signed and received my letter. Yet when i called them they notified me they never received anything. I have an account that is fraudulent reporting on my report that has caused me and my family to be unable to rent the companys name is XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE. Its attached to an address in Oregon that i don't live and i haven't. I have been at my current address for 3 and half years here in texas
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (TX)

I took my son into the ER in XXXX XXXX. Considering I have shared custody, my son 's father elects to cover medical and provide insurance. My son was under my care, so I was the one who took him in. I presented the Insurance ID card from my son 's father. Later I was notified that the insurance was not valid and have been stuck with the medical bill. Unfortunately, it 's under my name. I am currently contesting this bill in court to have it paid. Bay Area Credit XXXX calls and threatens me with " escalating '' the debt because I am refusing to pay the debt that does not belong to me. XXXX XXXX told me that I needed to pay the balance and if it were him " as the child father, I would n't feel the need to pay it either. '' He told me that I need to pay the balance and then go after my sons father civilly. I can not afford to pay this bill upfront. Had insurance been active, this would n't be my fault to begin with. XXXX XXXX is harassing me and telling me that I am negligent. He refused to send me written documentation of the bill to my updated address. He is using scare tactics and telling me he " will not be able to help me later. '' I can not get this person to send me the bill and allow me to present it to my attorney.
Consumer complaint received 2018-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

Hi, I have a FHA loan originated 2016. I pay monthly PMI on this loan since my LTV at closing was above 90 %. The common knowledge was that after reaching a LTV of 78 %, the PMI will be removed.

Now, it just found out by the mortgage provider and the HUD, that the rules have changed and you have to carry a PMI for the full length of the loan of 30 years.

That doesn't make any sense, so for example you have to pay mortgage insurance in year 29 of your mortgage, when it basically is almost paid off.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

Back in XXXX I started running into some financial trouble. After the recession hit, I tried working with XXXX XXXX to reduce the interest rate on my mortgage, which was currently 12+ %, to help reduce the payment. I had requested a reduction to half, even though at the time, the current interest rates were between 2 to 3 %. When that did not work, in XX/XX/XXXX, I tried to short sale the home, but XXXX XXXX was unwilling to work with me regarding that also. Several different departments at XXXX XXXX suggested I dont pay and fall behind a couple of months then they would be more likely to work with me to help reduce my mortgage payment. That turned out to be a total lie and after a couple months I started receiving letters threatening foreclose and advising me to vacate the home I have lived in for 17 years. In XX/XX/XXXX the company that was trying to help with the short sale contacted me and informed me that XXXX XXXX had filed a Notice of Default and had begun the foreclosure process. During that time, I had never even missed payment. Not realizing that these were lies, I moved from my home. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. At the time of the filing, my house was surrendered to XXXX XXXX. I made every payment to the Trustee on time for 4 years and my bankruptcy was discharged in good standing on XX/XX/XXXX. After waiting the necessary time to pass after a bankruptcy I recently started looking for a new home. I was surprised to find out, that XXXX XXXX did not foreclose on my home until XX/XX/XXXX, 10 months after my bankruptcy was discharged. Please keep in mind that XXXX XXXX new quite well that they had ownership of the house because they provided yard care ( both summer and winter ) the entire 5 years it sat vacant. It was also brought to my attention that 4 months after the discharge of my bankruptcy they sold the servicing of the loan to another company. I quit receiving any type of notification from XXXX XXXX shortly after I filed.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

In XX/XX/2016 I requested help ( loan modification ) through the HARP program with my mortgage company, Ditech. The modification they did did not help at all. It did not lower my payment or interest rate. All they did was add 10 years to the life of the loan. Now, instead of a 30-year loan I have a 40-year loan. NOTHING else changed. In what universe is that a modification?

I just thought that was the best Id get until the monthly payment was really becoming a very serious problem. Ditech just advised me to sell the house an move on, so I hired XXXX. They did their best, but Im now told that Ditech has stood firm and that their stance is that Ive already had a loan modification and am not entitled to another.

Is there anything else that can be done? Is this action even legal under HARP?
Consumer complaint received 2018-07-20
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: I.Q. DATA INTERNATIONAL, INC. (TX)

XXXX has failed to properly handle our fraud dispute i have submitted 4 letters starting back in XX/XX/2018 about the identity theft.They have violated FCRA i have receipts from the post office that they signed and received my letter. Yet when i called them they notified me they never received anything. I have an account that is fraudulent reporting on my report that has caused me and my family to be unable to rent the companys name is I.Q DATA INTERNATIONAL THIS ACCOUNT IS NOT MINE. Its attached to an address in Oregon that i don't live and i haven't. I have been at my current address for 3 and half years here in texas
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC. (CA)

ABR recovery Services continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) XXXX credit cards ever. Both were charged off in XXXX and XXXX. ABR continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although ABR Recovery services admits that I only have ( 1 ) collection account, they continue to verify with XXXX ( 2 ) collection accounts. I am asking ABR to stop reporting the account # XXXX. They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute ABR Recovery Services on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including XXXX into this complaint. Because ABR continues to say these are different accounts. The account numbers do not match up because ABR and XXXX use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from XXXX : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with XXXX, the original creditor. I NEED XXXX IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (FL)

I was a customer of XXXX XXXX XXXX. They merged with XXXX XXXX and had me sign up for their new program which " would save me money ''. I signed up and the billing had been inaccurate for months. I finally disconnected their services and sent all equipment back to the company as they indicated. After receiving a large bill indicating a substantial balance was due, I called the company and they indicated that there was an issue with billing as the services were still billed under each company separately but only one invoice was sent out on behalf of both companies. After spending 3 hours on the phone with multiple representatives, the issue was resolved. A month later I received a letter in the mail indicating I was owed a balance of {$74.00}. I have since received that letter every month for the months of XXXX, XXXX and XXXX stating the company still owes ME money but they have not issued the reimbursement to date. In XXXX, I received a letter from the collection agency XXXX XXXX on XX/XX/18 claiming that I owe an amount of {$210.00}. I contacted their company to tell them this is incorrect and XXXX XXXX XXXX XXXX actually owes me money. Their representative started laughing and stated that I was incorrect and their documents do not lie. I told him I would submit the paperwork and he said it did not matter and I had to pay the entire balance due. XXXX XXXX XXXX has made a negative report on my credit which has impacted my score substantially and they have now turned a false balance to a collection company who continues to call and send letters demanding payment.
Consumer complaint received 2018-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

DOMAININDICATOR : COL ATTACHMENTSIZE:0 ECI:XXXX PCUSTSEG : PHP PRODTYPE : RBG SMPODID : XXXX CIPDOMAIN : XXXX PRODUCT CODE:XXXX SUB PRODUCT CODE:XXXX ACCOUNT NUMBER : XXXX SERVICE FEE DATE:XXXX SERVICE FEE AMOUNT : {$340.00} I am going through financial hardship. I have been Charged XXXX in insufficient fees begging on XX/XX/XXXX. I can not control the ACH debits from other financial institutions because thats how they do business. When it hits I get charged XXXX every-time.There is nothing I can do and Im paying these fees that I have no control over. I dont have the funds to cover the ACH in the first place and getting charged over and over in one months time to the total of XXXX is usury. When I call in to customer service they say there is nothing that they can do. I need help!
Consumer complaint received 2017-06-21
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. (NC)

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for Experian and 20 for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( Experian ), and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact Experian or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2017-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Swe Homes LP (TX)

Required down payment before credit was issued, shring private info like my ss # breached and should have PAID FOR THE condo in total, accepted several payments and stole the home in foreclosure two years later. HORRIBLE COMPANY, AND HORIIBLE TATTICS
Consumer complaint received 2017-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: KMT Group, LLC (NY)

This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. In their response the company indicated That they no longer own the debt and i should contact kmt group which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to KMT.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ 430.00/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you
Consumer complaint received 2018-02-14
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

Re : XXXX American Express Sir/Madam : I am writing to seek help to resolve a fraud claim that is equivalent to {$11000.00} which is a great amount of loss to me financially. On top of that, my credit rating is affected when my XXXX American Express account was closed.

I strongly feel that the handling of this case is very unfair to me based on the following : 1. I am not provided written proof of purchases or explanation as concrete basis of why my fraud claim was denied. The proof of purchases that should have been provided will show that I did not sign on the credit card charge slip of the expensive items purchased.

2. Without being provided this concrete evidence, I feel discriminated when after I exercised my rights to file a fraud claim, XXXX American Express closed my account, denied me credit and forwarded my account to collection department.

3. I have filed a previous fraud claim but in the letter ( see attached ) denying my fraud claim it is indicated that the decision was based on account history and notes and not on concrete proofs establishing the responsibility for the fraudulent purchases.

4. I feel it will be unfair for XXXX American Express to collect the above mentioned amount and any related finance charges because of failure to present the requirements of a thorough investigation.

5. I have been a loyal XXXX American Express credit card holder for a very long time and I am proud to claim that I am in good standing, always paying on time.

I will very much appreciate your help for a reconsideration to reverse the decision made and restore my account status.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Excessive overdraft fees which caused a domino effect. 
There was {$150.00} available in my account. Three transactions came processed for ( {$100.00}, {$50.00}, and {$130.00} ) on the same day, Instead of processing the transactions for least to greatest ( {$50.00}, {$100.00}, {$130.00} ) which would have only resulted in ONE overdraft fee, the account was debited from greatest to least ( {$130.00}, {$100.00}, {$50.00} ) resulting in THREE overdraft fees that day and additional fees as a result of the overdrawn account totaling 5 fees.
Consumer complaint received 2017-06-21
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. (NC)

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for Experian and XXXX for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( Experian ),  and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact Experian or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.