davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (TN)

Approximately XXXX three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year. 

I am an XXXX military member in the United States XXXX and there are times that we are XXXX, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was XXXX in XXXX 2015 for seven months, returned and immediately transferred. It was during that time that the year passed. 

As I inquired as to how to restore my credit to the previous limit I was told that I would have to request a credit limit increase. Please let me inform you that the reduction of my credit limit affected my credit score and to have to go back again and request a credit limit increase for what I consider no fault of my own would again affect my credit score. 

Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card. 

And now I received notification that my account will be closed, " It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards. 

I am trying very hard to improve my credit score so take any action against my credit seriously. 

I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( {$300.00} ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.
Consumer complaint received 2016-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates XXXX, CO XXXX, is stating I owe Overdraft Fees from a XXXX Checking Account from XXXX, nearly 12 years ago. The Statue of Limitations in Colorado is 6 years. U.S. Bank lost a {$XXXX} XXXX Lawsuit in XXXX over Overdraft Fees, I have never been given a chance to dispute this, they claim they served me on XX/XX/XXXX, this is not the case I was never served and have now on XX/XX/XXXX gone to XXXX Colorado Court and filed a judgement lowering my credit score
Consumer complaint received 2024-08-27
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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2016-09-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is the lender of this private student loan. The lender had been informed of my financial hardship for over 12 months. They had denied consolidation, lowering monthly payments, and finally when they offered a forbearance, they mentioned that I had to pay three months of on-time minimum payments. I have student loan debt that is triple my income. In monthly payments alone, a total payment equaling {$1300.00}. I had been through periods of time not receiving timely paychecks due to a public service related job. The three months of payment would have been fulfilled to receive the forbearance, but Wells Fargo failed to inform me that the payment was short of {$67.00} to fulfill the three month terms and receive forbearance. It was less than 24-hours from the time the payment was attempted to be made to the time the loan went into default. The statements always mentioned only the past due amounts and did n't clearly state the minimum payments. When I addressed the issue with Wells Fargo they were rude and aggressive. There were no options to reverse the default. They ruined my credit for over a year without assisting in any manner. The supervisor ( XXXX ) in the recovery department harassed me and treated me with no respect. I have countless records of trying to request payment assistance from this corporation. They also told me they reviewed my income and expenses but when I told them my expenditures for groceries and gas to carry-on my job, they told me that those were n't essential to determining sufficient payment.
Consumer complaint received 2017-03-22
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Blitt and Gaines, P.C. (IA)

I had a judgement against me in XX/XX/XXXX from a auto loan. They repo 'd the car and still want paid the entire price of the loan and int. They also did not bother to show to court for the judgement, but the judge apparently stood in for them. As of Wednesday XX/XX/XXXX my checking and savings accts were froze. The funds of {$3100.00} that were in my savings, were part of a federal student loan refund that I have proof of day of deposit and a financial aid statement. The bank refuses to lift the freeze. Please point me in the right direction please. I am attending school and working part time and losing those funds would and are causing financial distress. Thank you
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IN)

I received a notice dated XX/XX/2016 that an escrow account had been set up and payments had been made to insurance and taxes regarding our home. We do not have an escrow with these people and are officially requesting they stop these fraudulent payments. The escrow " history '' shows payments made XX/XX/XXXX, XXXX, and XX/XX/XXXX. However, my insurance company shows a payment on XXXX/XXXX/16 and my treasurer also on XXXX/XXXX/16. I have informed both companies of this fraud and requested those funds returned. A Bayview agent, XXXX, specifically stated we do not have an escrow and than they began making payments to these places. My last complaint has done nothing to stop this company from committing fraud regarding my account and therefor have no other option but to seek legal help.
Consumer complaint received 2017-01-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

We are in the process of refinancing our mortgage. In XXXX. Select Portfolio Servicing, Inc. ( SPS ) reported to XXXX XXXX that our XXXX house payment was late. Under XXXX XXXX rules you can not refinance if a late payment has occurred over the length of loan. We have never been late. When this refi process was started in early XXXX 2016 the company we are dealing with had to run an initial report and everything was perfect. We found out after many phone calls and being switched to all sorts of people that Select Portfolio Servicing held our XXXX payment due to a " Recast '' they were not authorized to do on our loan. I always make my payments online and have a " Payment Receipt '' showing I made the XXXX payment on XXXX/XXXX/2016, it cleared my bank account on XXXX/XXXX/2016. It took me a month to get SPS to terminate the " Recast '' and get my payment was then posted. But by that time it was reported to XXXX XXXX that we were late for XXXX. They had our money and held it with no explanation to us. Once we were told the payment had been posted our loan processor called for final payoff amount and we were ready to close. Their underwriter then was told by XXXX XXXX about the late payment reporting. 
So we are at the point now where we are trying to get SPS to contact XXXX XXXX to correct the error so we can close. I keep being told that messages as have been left with XXXX XXXX. I get switched around from Supervisor to Supervisor and as of today 's date their error to XXXX XXXX has not been corrected. We are in great danger of losing this refinance. I ca n't get anyone at SPS to help us. I have spent numerous hours on the phone with them My loan officer and I were on a conference call for an hour and a half, while I was at work, on XXXX XXXX supposedly with a manager who was taking care of it with their legal dept. Todate neither of us have been able to make contact with that person. Can anyone help us get SPS to correct their error so we do n't lose our refinance.
Consumer complaint received 2016-06-20
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, XXXX, Bank of America 's agent foreclosed on my house. After the completed foreclosure sale, the substitute trustee executed a trustee 's deed to the XXXX XXXX XXXX XXXX XXXX. XXXX filed an eviction suit and was awarded Judgment of Possession. 

On XXXX XXXX, XXXX, I filed a lawsuit to stop a post-foreclosure wrongful eviction. This lawsuit XXXX is currently pending in the XXXX XXXX XXXX XXXX XXXX because the Defendants ( XXXX and Bank of America ) was granted leave to file an answer to the complaint more than two years late. 

On XXXX XXXX, XXXX, Bank of America and XXXX filed a late answer to the lawsuit and included the following affirmative defense : XXXX. Should Plaintiff be awarded any damages, Defendants are entitled to offset and recoupment in the amount the funds due and owing at the time of the foreclosure sale plus reasonable market value rent from the date of foreclosure until the service release of the loan to non-party XXXX. 

As per the aforementioned defense, XXXX predecessor, Bank of America, is asking for rent after the foreclosure sale on XXXX XXXX, XXXX in their answer. However, XXXX contends I owe them more than {$110000.00} for the same loan their predecessor foreclosed on. I have not executed any loan agreements to Bank of America or XXXX since the foreclosure sale on XXXX XXXX, XXXX. 

XXXX is reporting this fraudulent, incorrect, and false information to a third party, the credit bureaus ( XXXX. ) Bank of America is claiming the house was foreclosed and they are seeking rent post foreclosure. 

XXXX is claiming I contractually owe them from XXXX XXXX. 

To add on, XXXX is reporting to XXXX that the loan is a contested foreclosure. 

XXXX is reporting contradictory and false information to XXXX the credit bureaus, and me. 

XXXX has not been able to validate their debt collection activity. 

Bank of America and XXXX are colluding and harassing me to collect a loan that was satisfied from foreclosure proceeds four years ago. 

I will be filing this complaint with the XXXX, XXXX XXXX XXXX XXXX ; since my loan was XXXX insured loan. 


I 've included the following documents to substantiate my claims : 1. The Defendants ' Late Answer excerpts XXXX XXXX. XXXX ) 2. The most recent docket entry of the pending lawsuit, XXXX. XXXX ; Order Continuing Stay dated XXXX XXXX, XXXX These are records that are documented in the Federal Court that are undisputed.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Sale of account — 
Company: AMERICAN EXPRESS COMPANY (NY)

This complaint is in regards to the XXXX XXXX Costco credit card migration to Citibank Visa credit card. My card was not ported to Citibank Visa. Several months ago I took a call from an XXXX XXXX representative who asked if I wanted the new XXXX card or be migrated to Costco. I was very clear, directing that I do NOT want a new XXXX card and to migrate the account. No further information or contact was exchanged - until the new XXXX card was received in early XXXX. I did not activate the card, as per ALL of the Citibank and Costco communications expressly stated that ALL XXXX Costco cards were to be migrated to Citibank. All communications stated very clearly that XXXX Costco card holder would not need to do anything, and that a credit review would Not be performed. 
When the new Citibank Visa card was not received, I called Citibank on XXXX and was told that Citibank will not have XXXX account information until XXXX - and " do n't worry, you will get the card ''. When the card was not received, I called Citibank on XXXX. I spoke to a representative and a supervisor and was told that not all XXXX accounts were ported and to call XXXX XXXX. Citibank informed that not all accounts were ported and that I would have to apply for a new card. I called XXXX XXXX and spoke to a representative and a supervisor. I was again informed that not all accounts were migrated. I was also told that XXXX XXXX sent XXXX letters in XXXX ( 5 days apart ) informing that my account would not be migrated. Neither letter was received - although miraculously the new cards were received. XXXX XXXX would not tell me WHY my account was selected to not be migrated - only that they used internal criteria. 
I am extremely angry : - This is deceptive advertising. Every communication provided by Citibank and Costco stated that EVERY account would be migrated, and no credit reviews would be done. Absolutely nothing indicated that some accounts would be selected for exclusion. 
- XXXX XXXX ' actions are discriminatory and appear illegal. 
o They selected individual accounts to not migrate and will not share the criteria with the account owner. It is due to being an older American? A higher income level? Female? 
o Contrary to their claims, XXXX XXXX did not provide communication of their actions. In fact, they did not adhere to my direction to migrate as provided to their representative. 
- Why should my I need to apply for a new card and incur a credit pull, when most accounts do not? It is discrimination to apply different rules - which are NOT communicated. XXXX XXXX decide who is impacted.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

when I went to get my pay off om my mortgage it was listed as XXXX principal and they told me even if I pay it off I will still owe them XXXX dollars interest and it will make my pay off XXXX dollars why can a bank do that to a customer and other loan company 's can not? what part of out sick government lets them do such things to a hard working citizen of this country?
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Arbor Residential Mortgage LLC (CA)

1. Did not receive notice of the sale of loan to XXXX, from XXXX XXXX. 
2. Original Loan agreement did not stay in tacked when my loan was sold to XXXX. 
3. My loan changed to also include tax and insurance, which was not part of my original loan agreement. 
4. Incurred late fees due to the above 3 issues. 
5. XXXX sold my loan to Seneca. 
6. Paid to the incurred late fees, because I was unable to get them to honor my original loan. 
7. They said my loan was modified by XXXX XXXX, which I did not. 
8. Could not get the modified documents from XXXX. 
9. Even though I paid the incurred late fees, I 'm being bill a Corporate Advance Balance Fee, which never gets paid down. 
10. Seneca has of today has not given me itemized detail of the Corporate Advance Balance Fees. 
11. Because of the above I can not get my loan refinanced. 
12 Each time have called they say they will research and get back to me or send me the information, but I do not get a call back or the information I requested. And the info they do send does not make sense. 
I have been unable to attain or find a lawyer that understands this situation or even knows what the Corporate Advance Balance, response have heard of it.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: NAVY FEDERAL CREDIT UNION (HI)

My issue is that my credit card account was frozen, and then closed. My checking line of credit account is frozen. My checking account was frozen ( It is current unfrozen, but the lack of response from the company leaves me little faith in them going forward ) I received no notice as to why this has occurred. I have sent in the documents I was asked to send in upon my calling their XXXX and speaking to a front line Customer service representative. I have never been able to speak with or communicate with in any way the " person '' who is supposedly asking for these documents. Time line and events will be attached. ( too many characters. )
Consumer complaint received 2017-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I had a mortgage with Fifth Third Bank. XX/XX/2016 I paid off my mortgage. At the same time the tax bill from XXXX County arrived, for the amount of {$770.00}. Fifth Third told me that because the mortgage was paid off they would not pay the tax bill and I should pay it directly. I did pay it myself, but it turned out that so did Fifth Third, and they deducted that amount from my escrow pay-off. However, when I called the XXXX County tax bureau in XXXX, they said they only received one payment -- mine. They told me if they had received 2 payments they would not have processed the second payment. They would have simply sent it back. So, even though Fifth Third said they paid it, that payment has never been processed. I have no idea if their check was ever issued or is lost or whatever. But the tax authorities only received my personal payment. I have contacted Fifth Third numerous times, and all I get is the runaround. First they told me they need more time to investigate the matter, to make sure the payment was not completed. Then they told me they need more time to process the refund. Then last time, on or around XX/XX/2016, they told me the check was in the mail. This turned out not to be true, since no check has arrived. It is now 2 and 1/2 months, with no resolution in sight. Fifth Third is being totally uncooperative and unhelpful. They should be made to return my money. Here is a copy from the Fifth Third Website indicating they deducted the payment from my escrow account on XX/XX/2016. 
XX/XX/2016 XX/XX/2016 ESC DISB - TAXES {$770.00}
Consumer complaint received 2016-09-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

CRA 's are required to verify the information with the furnisher, by employing " reasonable procedures to assure maximum possible accuracy of the information '' ( XXXX v. XXXX ) contained in the credit file, and they also must disclose that the account is disputed to avoid willful non-compliance with federal regulations. This has not been accomplished, and this account remains on my credit file, despite many inaccuracies, and lack of " ownership '' claimed by either XXXX or the debt purchaser, and despite fraudulent debt sale and collection practices employed by both XXXX and it 's debt purchaser. This account has been previously disputed through the CRA 's as unverified, inaccurate, and most likely fraudulent, yet mere " verification '' of the information already in dispute was offered by Experian, failing to satisfy the federal courts ' definition of a reasonable and meaningful reinvestigation. I 've disputed with XXXX numerous times, but they pointed me to the purchaser of the alleged debt, who had been PAID IN FULL for this unverified debt when moved to get a judgement and I gave in. 

Please also note that XXXX reported ( see Experian reports dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX ), that the original amount of the debt was {$600.00}, yet also reported that it charged off {$1700.00}. XXXX then sold this fraudulent debt to XXXX XXXX XXXX XXXX, who collected over {$2000.00} from me to avoid a pending Judgement. Notably, the original amount of {$600.00} was subsequently removed from the Experian report, leaving only the charge off amount. 

To date, neither XXXX nor the purchaser of this alleged debt was able to verify that I incurred the debt, and both claim that they do not report or conduct any other collection activity on this account, why then is it on my Experian report? Further, though you we 're advised that it is inaccurate, you continue to publish and update, yet fail to delete? 

My experience with violations of debt collection practice by XXXX ... is apparently not unique : XXXX
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (CA)

Received phone call about debt collection. 
Had dispute with apartment complex I left in 2014. Received bill for carpet replacement after living there 4 years, and when carpet was already old when I moved in. I filed a written letter of dispute within 30 days. Heard nothing for years. 
After getting the debt collection call, contacted the landlord and reached a settlement for {$270.00}. Asked for a bill to be mailed to me so would have a paper trail. 
Got another call from debt collector a week ago, informed I had settled, and said do not call again. Just got another call today and said I would sue if they call me again. They demanded {$350.00} and said they will continue to call. It seems they have added some fees to the amount owed. I 'll have to send a note in writing telling them to stop calling to make my case stronger. 
They are apparently : Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-09-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HONOR FINANCE, LLC (IL)

I 've spoken to XXXX with Honor finance on several occasions about violating my privacy by choosing to send threatening messages regarding the repossession of my vehicle. I 've asked her to either leave a voicemail message or even send via email. But she refuses to listen and continuously have sent messages stating my vehicle is up for repossession via text message. Now if my phone is lying around anyone is able to see these messages when they come though.
Consumer complaint received 2016-06-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery XXXX is continuing to collect on a debt that was cancelled and where I received a XXXX from the bank. They also called on Sunday XXXX XXXX 2016 at XXXX. 

I have no other consumer/installment debt.