davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY (NJ)

In XX/XX/XXXX, we received a letter from TD Bank saying they no longer offer our existing HELOC. We 've had this loan about 9 years, originating with XXXX Bank. In speaking with a rep, XXXX, we decided to apply for theirs. We increased the LOC from $ XXXX to $ XXXX, which XXXX said would make the rate prime -.25 % and all fees to be waived. They also offered us {$500.00} upon settlement. We got a call to fax many documents, which we did on XXXX. Several weeks later we called the processor, XXXX, and was told she needed a doc that had been faxed, and we refaxed it that day, XXXX. She had the rate of XXXX on her paperwork, which is prime + .5 %. We called XXXX and she never returned our call. A week later we called and spoke with XXXX, XXXX 's boss. He contacted XXXX XXXX, XXXX 's boss, who also never called us. On XXXX, we called and finally spoke with XXXX. He assured us we had the quoted rate, and he needed another doc from our pension. He was going to call them and get back to us XXXX. He never called us with requested info, so we called the local branch manager, XXXX, who was going to get back to him. Still nothing a week later. We spoke with a XXXX or XXXX level manager and were assigned a new processor. XXXX. She needed many of the original docs again. In asking about the rate, she also quoted XXXX. The last we heard from her was XXXX when we requested the proper rate in writing and the president 's name and contact info. The next day she emailed us a number for a chairman. We called there on XXXX and still have received no call back. We 're not faxing any more paperwork without the quoted rate in writing and we told XXXX this. She was going to have her boss request the tape from XXXX when we had spoken with XXXX XXXX, to prove he agreed to the rate. We 're not sure what all is going on, but we 've been given the runaround. We 've lost sleep, many hours, and have been thoroughly aggravated by this whole thing. We have a HELOC with them, I 've lived in this house since XX/XX/XXXX, we have excellent credit, live on a small pension and soc sec. Perhaps this is elder and XXXX discrimination. It definitely has been harassment. We 've never had any paperwork nor met with anyone. This has all been done over the phone. This is the gist of it, but we will be glad to provide a chronological list of dates and people with whom we 've spoken. Our application number has been on file since XXXX. Thank you for your attention to this matter.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

XXXX XXXX has Reposes my 2021 XXXX XXXX of last year they have committed several violations inside the contract i had with them. Repossessions are illegal due to 15 USC 1692e ( 4 ) 15 USC 1692f ( 6 ) They also sold my information to another party due 18 USC 894 that's imprisonment and fines. Also they ask me for a down payment of {$2500.00} due to 15 US Code 1605 the down payment is include in the finance Charge.
Consumer complaint received 2015-08-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

On XXXX XXXX, XXXX, I received a court summons that I am being sued for a XXXX time for a credit card debt sold to a law firm that specializes in debt collection. The XXXX case was dismissed. The summons states that they gained possession of the debt in the same day the bank charged it off, XXXX/XXXX/XXXX. It also falsely states that I had made partial payments towards this debt that has been received and credited during this period with last payment made to law office XXXX/XXXX/XXXX. I was unemployed during that period of time and financially unable to make any payments to the credit counseling service that I worked with in XXXX to resolve my debt issues. My question is does the statue of limitations apply during the XXXX years that my account was sold to the collection agency? Is XXXX XXXX XXXX, XXXX violating my consumer rights by re-aging a debit for the same party that sued me previously dismissed by the same court I must appear in front of again : XXXX XXXX XXXX Claims Division on XXXX XXXX, XXXX? Massachusetts Statue Limitations, Chapter XXXX, Section XXXX states that I must be sued within XXXX years after cause of action. I interpret this to be when the debt was purchased in XXXX, not when a payment was last made in XXXX XXXX. Is my interpretation correct? Thank you.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. The FTC Identity theft report was not made in error and is not of a material misrepresentation the mentioned accounts in the report fraudulent and due to identity theft.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

1. Green Tree purchased our mortgage from XXXX at the end of a Chapter XXXX bankruptcy. ( XXXX/XXXX/2015 ) Payments to Green Tree began on XXXX/XXXX/2015. 

2. At the end of bankruptcy, we sought to refinance the house to save $ 600+/month in payments. 

3. Green Tree has a " policy '' to " not report for the first 90 days after service transfer. '' As such, payments were made to Green Tree ( for which they have all proof and documentation, but we will also provide canceled check copies ). However, no payments were reported to credit bureaus. This is in a letter we received from Green Tree dated XXXX/XXXX/2015. ( We will also provide a copy of the letter. ) 4. Because of post-XXXX mortgage rules in the Dodd Frank Act, a refinance can not be done unless payment history is unbroken. The 90-day-gap that Green Tree creates in payment history means that their customers can not refinance to another company! As a financial institution, they would know this. This has kept us from re-financing with other lenders. 

5. Therefore, this constitutes a XXXX where a consumer is unable to leave the patronage of Green Tree Servicing LLC ( This is a criminal action! ) due to the Dodd Frank rules. Green Tree purchases a mortgage, creates a gap in credit history, and that renders customers unable to leave their service. 

6. We simply want Green Tree to report payments they received to the credit bureaus. This would allow us to re-finance. Presently, this is costing us an additional $ XXXX. If this continues much longer, we will also be forced to take civil action to recover some of that monthly cash flow. We have XXXX children in college, this year - we need that money, desperately. We ca n't afford to be held hostage to XXXX like this.
Consumer complaint received 2015-08-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I did not provide all of the information to purchase a vehicle and somehow acquired a loan with a dealership. I have been contacting the XXXX XXXX and asked them to provide me with the information they have that was used to get me a vehicle loan when I had already had a open vehicle loan.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (OH)

I am writing this complaint due to the billing practice American Express XXXX. Well I was glad to apply and get accepted for a credit limit of {$3000.00} ( on XXXX 2015 ). However few weeks after acceptance I started to receive a bill of the amount {$450.00} urging me pay now in order of avoid late fee charges. I was surprised because I have not even activated the card at the moment. I was concerned, so I called customer service requesting a clarification regarding the bill. I was told that was an annual fee ( and membership card ). After that conversation, I attempted to purchase a set of furniture on XXXX but decided to cancel the order later on. On the of XXXX XXXX 2015, I used the card to purchase gas for my car. And on XXXX XXXX, 2015 I received an email from American Express, stressing that my card has been canceled because after their analysis and observation, I am a risk. But they are requesting I pay {$480.00} even though they have canceled my card. So, I think that I should not pay the {$450.00} due to the fact I did not have to opportunity to enjoy the membership. I should only pay the gas bill ( {$37.00} ) since they decided to cancel the membership.
Consumer complaint received 2015-08-01
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Hameroff Law Group, P.C. (AZ)

I had a car financed with a friend, we were behind on making payments, but we were nearly caught up when XXXX XXXX XXXX decided to repo the vehicle. They neglected to tell us we still owed on the vehicle, this was back in 2012. This year XXXX has filed a complaint with the courts ( lawsuit ) back in XX/XX/XXXX they initiated contact at my work, they were asked not to contact me there anymore, they said I failed to the court proceeding and I did but incorrectly, they decided to send the letter to my job, my store manager was furious since we already told them not to contact me there.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (PA)

I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations
Consumer complaint received 2015-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, after XXXX business hours ... I made XXXX charges, knowing that my paycheck was being deposited first thing in the morning. I discovered that both charges posted that very same night ( which has never happened in the 2 years I have banked with them ), and Chase bank charged me overdraft fees totalling {$64.00} ( {$34.00} each ). I called them right away, explained the situation and was denied any help in reversing the fees.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

Pulled credit report XXXX/XXXX/15. Sent validation request of XXXX medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

All is attached with Police Report I am submitting due to the police department not being able to obtain information to solve problem. 

At some point in XXXX, someone took over my mobile phone and even a man answered a call when my daughter called me. She called again and I answered, and this is when everything started to happen. 

This " hacker '' withdraw funds from XXXX  account, Bank of America, XXXX Bank, accessed our XXXX account and sent a letter to XXXX to XXXX all my funds to another account ( posing as me ) XXXX will not provide the letter nor allow me access to my funds. 

I am submitting this complaint because, I can not get any of these banks to work with me and return my funds. Even working with Bank of America to put methods in place to stop the withdraws they continued to allow more withdraws. 

See police report attached that include all the funds that have been stolen and I have not been able to have my funds restored and the banks are not cooperating.
Consumer complaint received 2024-10-07
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JP RECOVERY SERVICES, INC. (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by JP Recovery Services , Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

I had a wireless device through XXXX. I had an absorbent amount of data charges in the span of three months back in XX/XX/XXXX. The fraud department was called, and the IT department were called to investigate the high data charges in XX/XX/XXXX. I had been a customer since XX/XX/XXXX and had never gone over my data cap. A ticket was opened. A gentleman from the IT department called in XX/XX/XXXX and said that he could see a lot of streaming at odd hours. I told him that I did some streaming but it should not be {$700.00} worth of streaming. 

I immediately disconnected, removed the battery from the wireless device and put it in a drawer. I called again to find out what information the ticket produced. I spoke with an IT manager XXXX XXXX in XX/XX/XXXX. She told me I was still incurring charges. I told her that could not be because I took the device apart. I was prepared to pay what I owed but not if the device was malfunctioning and still continuing to incur charges when it should not. To ensure I would no longer incur more charges I asked XXXX to close my account. She said she would dispute the charges, but could not do it until the billing cycle completed. Both bills were disputed and I have been waiting to hear the results. 

I have called several times during the waiting period in XX/XX/XXXX. I spoke with another woman who told me a Diamond ticket had to be opened. She told me she initiated the Diamond Ticket. 

I received a call that my bill was going into collections. I called Customer Service again in XX/XX/XXXX to let them know I was waiting to hear back on the results of my ticket ( dispute ). The customer support person told me he would notify the collections department to wait until the ticket was resolved. 

I received notification a week ago that my credit report was updated in XX/XX/XXXX. I saw the XXXX bill listed. It should not have been listed because I never received a resolution to the investigation. There should be a credit due back to my account because I know there were issues with the device. 

It would appear that the collections department and the Customer Service Department are not communicating. In fact, the woman I spoke with last week at the Collections Department said she did not see that a Diamond ticket or any ticket had ever been opened. In addition, I asked to speak with a manager and one was not available. They told me I would receive a call in 24-48 hours. That was four days ago. I have not received a return phone call.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Please see # XXXX. I could not figure out how to add comments to my case. I spoke with XXXX XXXX at Bank of America today ( XXXX x XXXX ). She indicated that I must have asked for a refinance instead of a modification, I told her I requested a modification in writing. She said somebody must have misunderstood. She told me she looked at my file and my complaint is closed. I told her that if she would just look at the amount of my payment and compare it to 31 % of my income as Bank of America has determined it to be, she would see that Bank of America did not do the math correctly because my payment is greater than 31 % of the figure they are using for income. She told me that she WILL NOT do the math. My case is closed. I tried to tell her that it is clear a mistake was made, if somebody would just look at the figures. She refused, nobody additional will look at this. My case is closed. Bank of America continues to make errors and change their story. I have been trying to modify for 4 years and they make repeated errors and give me different answers and instructions. Please advise. I have done everything they have asked me to do and Bank of America wo n't even double check their math.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. 
XXXX XXXX ACCOUNT NUMBER XXXX BALANCE : {$15000.00} I have no knowledge nor did i give authorization to this company.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (SC)

I applied for a refinance thru my bank Wells Fargo on XX/XX/XXXX with rate lock of XX/XX/XXXX. I informed and provided my loan rep with a copy of separation agreement which showed child support I receive. He failed to inform me they would need 3 years proof of payment ( only been separated since XX/XX/XXXX and that 's when payments began ) At that time I gave a check for appraisal fee. I was told by loan rep XXXX that I would be notified prior to check being cashed which I never was. When I noticed check was cashed I called him several times to ask what was going on and finally received a call 1 week later stating he 'd been out of office and yes they would proceed with appraisal again was not informed of child support issue.. Issues I have with how I feel I was mislead : 1 ) check was cashed without any notification to me 2 ) loan rep changed without any notification to me 3 ) Most importantly I was not notified my child support was not being used as part of income until after appraisal came back less than needed. Had I known they were not using child support income from beginning I would have withdrawn my application prior to appraisal. Then I received a new GFE with increase in loan origination fee. I began calling new rep XXXX to question and she was not sure what happened and why. After several emails she stated she had a meeting to discuss my loan and would get back to me. I finally found out child support initially not used and loan had to be restructured which resulted in increase in origination fee. Since this all went pass the lock rate date this all caused for an extension of rate lock which in turn increased my loan origination fee. I feel I should have been told prior to appraisal their requirements for child support and fact that it was not being used as part of income. I reached out to Wells Fargo escalation team with my issues and emails I received and sent and they feel they did nothing wrong.
Consumer complaint received 2015-06-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AK)

My husband and I received a letter from Loancare XX/XX/XXXX stating that our escrow balance was XXXX dollars short. I called and after a XXXX minute wait, an agent came on the phone. I explained to her, ( agent XXXX ) that I did not understand how there could be such a drastic increase. Our property taxes went down XXXX dollars and her response was that our homeowners insurance increased by XXXX dollars. She emailed me a payment history that could not be read. So I called our homeowners with XXXX and they adamantly told me that they have not processed our XX/XX/XXXX-XX/XX/XXXX premiums and that no one has spoken to a Loancare rep. I asked for that in writing and she sent me an email through our account. Loancare will not respond to my emails or calls. I continue to have XXXX min+ wait times. 
I would like to know where and how they are coming up with an XXXX dollar shortage. This seems unethical and fraudulent. I trust that XXXX is acting with integrity and telling us the truth, Loancare is not.