davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The credit bureaus are reporting a judgement that was included in bankruptcy and therefore I am being dinged twice for the same item. Once because of bankruptcy and XXXX for the judgement that was included. Also my length of credit is not reported correctly and trabsunion will not give me a credit report because they say I already had a free one in the past year which is not true
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WATERSTONE MORTGAGE CORPORATION (WI)

Had to prepay for an appraisal In the amount of {$400.00} for a loan that I did not close on. When I asked about a refund, I was told that refunds are not given for appraisal. I than asked another lender and was told that if a loan is not closed on, I am not responsible for the cost of an appraisal.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OR)

A fraudulent account is appearing on my Experian credit report. The account is XXXX XXXX XXXX XXXX account number XXXX. 
I 'm a victim of identity theft and have disputed this account with Experian. 
Experian refuses to remove this account from my credit report after numerous dispute attempts. XXXX and XXXX promptly removed this account from my file when it was brought to their attention but Experian has been negligent and careless, refusing to investigate this issue. 
The company that is reporting this information, XXXX XXXX XXXX XXXX has been unhelpful in my attempts to figure out why this is appearing on my credit report.
Consumer complaint received 2016-02-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MD)

I opened up an account over the phone with TD Bank. The person I spoke to said that I can take care of everything over the phone. She said in order for that count to be activated I need to deposit money. I decided that I did not want to use TD Bank and call to cancel the account they said they can not verify who I am over the phone as the account was never activated. They said that if I keep the account that says I will be getting charged fees for not having the minimum balance but they would still not be able to close the account for me over the phone.
Consumer complaint received 2016-01-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (LA)

I HAVE A LOAN WITH TOWER LOAN IN XXXX XXXX LA. I AND HAVING EXTREME FINANCIAL DIFFICULTIES AT THIS TIME AS MY HUSBAND HAS BEEN LAID OFF SINCE XX/XX/2015 AND I AM THE ONLY ONE WORKING. I HAVE BEEN TRYING TO PAY THEM AS MUCH AS I CAN EACH PAYCHECK. I AM NOT IGNORING THIER CALLS I AM IN CONSTANT CONTACT WITH THEM. AS I AM WITH MY OTHER CREDITORS. THERE WAS AN INCIDENT WHERE I WAS SET TO BRING IN A XXXX PAYMENT AND THE NEW MANAGER OF THE OFC INSTEAD OF CALLING ME CALLED MY REFERENCE AND TOLD HER ALL OF MY BUSINESS. HE TOLD HER HOW MUCH I OWED AND THAT IF I DID NOT COME UP WITH THAT AMOUNT OF MONEY THAT THEY WERE GOING TO SUE ME. THIS IS NOT THE WAY TO DO BUSINESS. THERE WAS NO REASON FOR THEM TO EVEN CALL MY REFERENESES. I XXXX AND I KNOW TGAT TE ONLY TOME YOU ARE TO CALL THE REFERENCES IS WHEN YOU CAN NOT GET AHOLD OF THE CUSTOMER. THAT IS NOT THE CASE HERE THERE HAS NEVER BEEN A TIME WHEN I HAVE NOT KEPT INTOUCH WITH THEM. THE PREVIOUS MANAGER TOLD ME HERSELF THAT SHE NEVER HAD ANY PROBLEMS WITH ME THAT I WAS A GOOD CUSTOMER. I ONLY STARTED TO HAVE TROUBLE PAYING WHEN MY FINANCIAL SITUATION CHANGED SO DRASTICALLY IN XX/XX/XXXX. AND I WAS BEGGING THEM TO WORK WITH ME. WHICH THE XXXX 's IN THE OFC WERE DOING BUT WHEN THE NEW MANAGER CAME ON BOARD HE DECIDED THAT HE WAS GOING TO NOT WORK WITH ME AND THAT IS WHEN HE CALLED MY REFERENCE. I DID FILE A COMPLAINT WITH THE COORP. OFC.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Tower Loan of Mississippi, Inc. (NC)

Twin sisters name, social security number, addresses, collections, phone numbers all show on each of my credit reports. During theses times of collections I was not living in the area. I am currently serving in the XXXX and proved my state of residents and identity to the credit bureau before and nothing was resolved. I am unable to receive my own credit reports due the false entries of someone else 's information on my record. I am not liable of these collections because they are not in my name or social security number. The collections just appear on my credit reports.
Consumer complaint received 2015-07-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Pursuant to the last letter received from the credit bureau, they have failed to furnish the information used to ascertain the method used to report the account in question ( The Right to Report ). I have sent letters certified mail, and have received notification of their ( CRA ) receipt of disputes. I have received nothing but stall tactics, and accusation of frivolous disputes. Yet, my requests have not been honored which is my right under sections XXXX & XXXX. If in fact a bankruptcy has been dismissed, Is n't it unfair that such bankruptcy should be held against a consumer when the consumer did not go through with the bankruptcy? It automatically becomes public record when you file, I understand this. Why though, when the smoke has blown over and the bankruptcy is dismissed for non payment, change of heart, etc ... is the bankruptcy to remain public record? Its insane, and it hurts the general public to be able to exercise their right to in fact change their mind about such a big change to their lives if thats what they choose to do! This bankruptcy has kept me from obtaining credit, and has hurt me in many areas of my well being. It 's down right embarrassing, and unfair that it is held on reports and it is n't completely legitimate because it was dismissed. Section XXXX & XXXX grants me, the consumer the right to know what, and who is reporting on my credit, as well as names of people associated with investigations and the method of verification used to report this information. They have not complied, and I want to sue for willful non-compliance. Seeking all damages possible. I have attached letters i have sent to each Bureau. I however have not attached their responses or receipts of my sending letters certified mail as i do not have the ability at this time to scan and copy these documents to my computer.. But I do have them and will get it done when needed and expeditiously as possible.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have filed several complaints about AmericanExpress, all dealing with the same issue, cyber fraud on our account. American Expresspaid an unauthorized charge made to our accountand seeks to collect on that, plus there are {$1700.00} in hidden charges American Expressrefuses to explain or justify. Now It took me XXXX just to make a payment on the accountof the charges we actually made, and I was sent toAMEX collections, because they automaticallytake disputes out of the dispute process every sixtydays. They do not want you to pay your bill in full, and they do not want you to collect your earnedrewards. I ca n't even get a copy of the most recentarbitration clause, and I have asked for that as well. 
Please read the attached XXXX letters and pleasereview this file and do something. I can not believewe are the only ones to whom this is happening. 
It feels almost like a predatory company to me atthis point, because all we want to do is pay what weowe and no more, and we are being 'stuck up ' andthey are trying to force us to pay for charges thatare either cyber fraud ( which we proved ) or acharge we never authorized that they decided topay without our permission, and ( in fact ) inwhich we stated in no uncertain terms wewould not pay because the charge ( s ) were notauthorized. They need to come up with proofof what we owe them. We have given them ourproof that we do not owe them. Where is the clout behind the law? I have been trying to get thissolved since XX/XX/XXXX 2013. Come on! Show methe proof! We do pay what we owe.
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TD BANK US HOLDING COMPANY (WI)

I think this is about an old Target Credit Card Debt that is too old that the Statute of Limitations has run out on. These people keep calling and leaving messages on m son 's phone and this is the third time they have threatened me. I wrote a letter to Target to quit trying to collect long ago, so this is a clear violation of the Fair Debt Collection Practices Act. I have complained bout this before but they have never been punished. The following is an exact transcript of the message they left on the phone with the case no. and return phone number. 

" This message is for XXXX XXXX XXXX Case number is XXXX. My name is XXXX XXXX with the Central Processing Office. I 'm contacting you in reference to a complaint registered against you. You will need to contact the firm handling your case XXXX. Now, XXXX, if there is no response, the firm will be forced to make a decision on your case without your consent. Please keep in mind this is a time sensitive matter that requires immediate attention. Once again, that telephone number is XXXX ''.
Consumer complaint received 2015-11-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OR)

I am trying to sell my house and Ocwen is not getting me a payoff for my loan. They continue to tell me I will have it in 24 hours. It has been days and I still do n't have it. I think this may be a tactic to charge a late fee. Also they sent a letter informing me my mortgage payment was increasing over 10 %. The letter said the reason for the increase was coming in a separate letter. That was over 45 days ago, I still have not received an explanation.
Consumer complaint received 2015-06-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (GA)

I have attached a detailed letter outlining the issues along with the appropriate paperwork. 

But basically, XXXX XXXX XXXX had a promotion, XXXX months same as cash. Furniture delivered would n't fit, manager agreed to allow me to return it. I wanted to return right away so I would n't be billed, and to ensure I could find something else I liked. He asked me to hold it in my home until I picked something else out and they would pick it up when they delivered the new furniture. This all happened about XXXX weeks later. I immediately shrink wrapped the cloth sofa and ensured that no one would sit on it since it was being returned. The same day I finally received my furniture I was billed at the same time and I have been trying every since then to explain I should not have been billed for the original furniture that they agreed to have returned but who also told me to keep in my home. 

Secondly, as I began to complain that I was billed incorrectly as I never took possession of a bed ; that the billing due date was not correct it was associated with the original furniture ; and that they had been charging me late fees based on the original due date ; I eventually had a collection agency calling me and finally they sent derogatory alerts to the credit bureaus stating I was XXXX days late each time. 

I was told I had to file a dispute which I did in XX/XX/XXXX and this process has continued with no resolution. 

I met with the store manager and he agreed that there was an error they still showed that I was responsible for a bed that I never took possession of. But he told me he could n't do anything about it. 

I never received anything about how this loan process would work, penalties, etc., until finally after my visits back at the store, my disputes filed twice, the repeated phone calls to XXXX XXXX XXXX Corporate and finally a company called TD Retail Services which the actual loan was processed through ( which I was never told ) this TD Retail sent me paperwork on XXXX XXXX XXXX, 2015 outlining the details of the loan. Had I know the loan would not be with XXXX XXXX XXXX, I would have never taken the loan and/or furniture. They totally deceived me. 

I felt they sent this on XXXX XXXX, 2015 to cover themselves. 

I felt the entire process was deceiving by XXXX XXXX XXXX. I do n't trust XXXX XXXX XXXX nor this company and I really do n't want anything to do with any of them further. 

I requested several times to speak with someone to address these concerns but all I kept getting was I need to go back to the store ... and the store needs to correct everything. The store kept telling me I need to go back to this TD Retail Credit Card company. Forget XXXX XXXX XXXX XXXX, they simply did not want to get involved at all.
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My mortgage loan was transferred to them from XXXX ( XXXX XXXX XXXX ). Since XXXX XXXX, XXXX. 
I have been trying to contact them to know how I am going to make my mortgage payments. So far they have not answering my requests. I am afraid they will charge me late payments fees and who knows what else. My next due payment is XXXX XXXX, XXXX. I have not received any notification from them, any information about how to make payments. Frankly when you talk to them even to make payments they are so rude that I do not want to spend more time with them. I got the money to make my mortgage payment on time but I do not know where to send the payment and they do not collaborate. I want not to imagine what will happen when they realize that they have not received my payments. Surely they will start charging late fees and reporting me a past due payments and everything else that happen when you do not pay your mortgage.. It is not fair and somebody has to stop them of doing this kind of scams. Please help me.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Renton Collections Inc. (WA)

This submission updates the XX/XX/XXXX complaint against Renton Collections XXXX Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX Plumbing. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX XXXX Plumbing. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX Plumbing on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX Plumbing otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} XXXX incl. Renton Collections Interest charges ) directly to XXXX XXXX Plumbing that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections XXXX Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIRST HERITAGE CREDIT LLC (LA)

I owed a debt to this finace company.I contacted them and gave them a number to contact about my debt.I am trying to have my bills consolidated.They were contacted through my consolidaters.Since then, this woman named XXXX has been contacting people I do n't even associate with or have not talked to in years.To me this is harrasment.I do not know where she even gets their numbers from.I do n't even have there numbers.
Consumer complaint received 2015-07-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

I co-signed an auto lease four years ago. I just checked my credit report and the leasing company has included the lease holder 's credit history for this account on my credit report. When I contacted the lease company, I was told that a co-signor is a joint applicant with their company. I never received any notifications through mail or phone call stating that the primary lease holder was late on payments ( XXXX times, 30 days late ). The lease company did n't have my address and phone number on file but are holding me accountable on my credit report. I did n't have the opportunity to make the late payments myself to keep the account current because I was not contacted and made aware.
Consumer complaint received 2015-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery constantly calls from different numbers. When I block one of their numbers, they call from another one. I have no debts. I pay off credit cards in 30 days with auto-pay from my bank account. This may be one of those " zombie debts '' that XXXX XXXX was just fined for. I would like Portfolio Recovery to stop calling.
Consumer complaint received 2015-06-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (GA)

I have VA loan from M & T Bank. I refinanced it about a year ago. M & T bank held the mortgage for several years before I refinanced with them.The mortgage payments are current.Today I received a letter from my county. It is a NOTICE OF INTENT TO LEVY because they say I owe {$830.00} from XX/XX/XXXX for property taxes. This is the XXXX I 've heard of this. 
I 've been in this house over XXXX years and taxes and insurance have always been escrow-ed for VA loans. I must pay by XX/XX/XXXX or the property will be levied.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc. (NE)

This matter involves credit card debt with XXXX XXXX XXXX which was referred to CBE Group for collections. XXXX XXXX XXXX had my correct address as bills were sent monthly to me. Once this was referred to CBE Group they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and mental anguish. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.
Consumer complaint received 2015-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have checking (debt card number *******************) and credit card account in back of America.
I added my wife to my bank account about XXXX years ago so she can know my financial situation.
I did not allow her to have debit card or check.
When she need money, I transfer for her until her decided to abandon the marriage XXXX.

She left me about XXXX dollars of credit debt and empty my bank before abandon the marriage.
I donot know where she is now, and she did not know the mailing address of my account.
But with the help of BOA, she can still successfully steal money from my account even after being removed from my account XXXX.

In XX/XX/2015, she stole XXXX from my bank account (in person transaction).
It caused me big trouble and I called BOA XX/XX/XXXX.
BOA suggested me to remove her from my account.
I was told she will not be able to access my account anymore.

A week later, she stole another XXXX by ATM.(she is never authorized to have debit card)
I called BOA XX/XX/XXXX and got the refund immediately. 
I was told I account is safe now again and again.
I asked for confirmation number and was told I can mention her name XXXX as reference.

A week later, another theft happened, about XXXX purchases.
I filed claim again......and got credit.
XXXX days later, my account was totally empty and it was closed.
I called BOA, and was told my wife did it to prevent me from file claim.
BOA used all kind of excuse to delay or refuse to solve it.
BOA did not give me any solution in XXXX months.

I can not access my account so some date and amount is based on my memory.
BOA is on the side of theft and helping crime.

XXXX I XXXX can not access BOA branch. My autopay associated to BOA checking account were all rejected. My tax return payment with this account was also in process. It also caused big influence on my credit score.
Consumer complaint received 2015-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Evergreen Acquistions, LLC (CA)

I first recieved a call from this number on XXXX XXXX. I was told my sister had some sort of fraud going on her account. I told them her phone was disconnected and I did not get a hold of her. I received XXXX calls today. I researched online and discovwred this company has similar complaints in which they say they are trying to get a hold of someone but its a debt collectors. I just got off thw phone. A woman named XXXX answere. She said ahe was trying to get in touch with me and they some identity theft stuff. I told her tgat I 've had credit monitoring for the last year so its not pssibme and that the last time I got a call from this number that they said they were looking for my sister. To which the the XXXX said my sister put me down as a reference for evergreen. I told her that I do not want to be call anymore becauae its a debt collector looking for my sister and I wanted to placed on the do not call listI told her to send written notification to my sister instead of repeatedly calling me. The lady was very argumentative and would not agree to place my number on a do not call list. I eneded up hanging up on her with my last words being do not call me