davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

I went away to college last year and opened my first student checking account at TD Bank. When I attempted to login to online banking through the TD website, I was encouraged to sign up for an overdraft protection program. I could n't figure out how to " get out of that '', so I signed up. Shortly thereafter, I overdrafted my account and since I was unaware that it happened, I overdrafted again the next day. A week later, TD notified me, via US mail, that my account was overdrawn and I owed {$140.00} in fees. My mom helped me get {$70.00} waived, and the customer service agent we spoke to unenrolled me from the program. Fast forward to a few weeks ago, and the exact same thing happened again. When I asked, I was told that I never unenrolled from the program. However, when I called the corporate XXXX #, I was told that I did unenroll back in XXXX 2015, but the next time I logged into the online system, I re-enrolled. XXXX different stories from them plus I NEVER re-enrolled in this crazy program - I believe their bank system somehow did that. I also believe that TD targeted me as a student who is just learning how bank systems operate and, being a low-to-no income person, this is truly not fair. My entire last paycheck went to paying TD 's fees - and the amount I overdrafted was a measly {$13.00}. Can anything be done about this unfair, misleading and discriminatory practice?
Consumer complaint received 2016-02-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

while withdrawing cash from the atm i only received XXXX dollars of the XXXX i was charged for. {$160.00} was sucked back into the atm. i filed a complaint with the bank to do an investigation and after a week i have n't gotten any information nor gotten a provisional credit as promised
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Regional Management Corporation (TX)

I contacted Credit Recovery Associates on XXXX/XXXX/2015 about a collection they put on my credit. I ask them to send me the information showing that this debt is my. As of XXXX/XXXX/2015 they have not responded
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Loan Servicers XXXX XXXX Bank and Bayview Loan Servicing XXXX did not provide adequate notice of loan changes and also misrepresented information in letters sent to us. XXXX XXXX Our loan was sold to XXXX XXXX and in the initial letter we were told to continue sending our payments to XXXX and same address. After sending payment a XXXX days later the payment was kicked back by XXXX. It was then we found out that Bayview was now servicing our loan. Bayview and XXXX both violated federal law by not notifying us in time of changes in our loan and payment information. XXXX XXXX Bayview Loan servicing did not provide the required XXXX day notice that our payment amount was changing due to the XXXX year ARM ending and rate reset. Also, another violation of federal law.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NC)

The information being used by Equifax to develop their Knowledge Based Authentication XXXX KBA XXXX questions is incorrect and does not allow me to correctly answer the questions and keeps me from initiating online disputes or requesting a free credit report. This incorrect information was also used to keep me from applying for XXXX Membership. I called Equifax to find out how to fix it and was transferred to XXXX people ; the XXXX woman that I was transferred to was extremely rude and laughed at me, and then refused to allow me to speak to a supervisor. I am exasperated.
Consumer complaint received 2015-06-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

The payroll dept sent me an e-mail stating in XXXX weeks XXXX XXXX XXXX was going to start a wage garnishment from my payroll? I had no clue what she was talking about? I never received anything from them? No paper work no letters NOTHING!! They already took out the first payment of {$300.00} which she stated they requested every two weeks. I do n't have money for an attorney so I do n't know how to stop this? I have tried calling several times with no results. I mailed a letter to them with no results? If they continue with this garnishment I will not be able to pay for my car payment then I will be out if a job! How can companies like this purchase old debt and immediately start a wage garnishment. I am more than will to pay any old debt but not in this manner. I live from pay check to pay check. Half of my income goes straight to pay the rent on my apartment. Please help!!! I also noted they have my address that I lived at XXXX years ago
Consumer complaint received 2015-12-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (CO)

XXXX 2012 we charged The Home Depot card for kitchen redo. Set up auto payments from account that had more than enough money to pay off total amount ( account not used for anything else ). Went fine for a few months, then got notice of late payment. Money all still in acct, THD/CBNA did not pull the XXXX payment, showed us as 30 days late -- we argued it was their fault, not ours. They agreed to fix on credit report. We talk to them numerous times a year and they claim they fixed it back in 2012. Credit bureaus have no record of anything from THD/CBNA stating it should read XXXX late payments. 
We are sick and tired of calling credit bureau, calling THD/CBNA back and forth for 3 1/2 years and it still not corrected. Credit bureau says has never gotten word from THD/CBNA to correct, THD/CBNA says they have sent it numerous times since 2012. PLEASE HELP! We have perfect credit except for this false information. We have also asked THD/CBNA to send us copies of the letters they send to credit bureaus -- we have been told " we do n't send letters to customer '' to " we have sent to you each time ''. We have NEVER received ANY communication about correcting this false report. They ( credit bureau AND THD/CBNA ) have asked us to send letters describing problem, and we have - numerous times- with still no luck.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (AL)

almost XXXX years ago i paid a group called XXXX of XXXX CA, almost {$2000.00} to obtain a HARP loan they didnt get me my loan but gave the paperwork to XXXX WHO SOLD IT TO GREEN TREE LOANS WHO I HAVE THE HARP LOAN WITH NOW but during this time i aome how had a {$15000.00} adjustment add to my loan of {$90000.00} so now i owe over {$100000.00} on my house an the balance showes {$85000.00} i want to sell my house but it only appraise for {$92000.00}. i had a off er of {$90000.00} then found out about the extra {$15000.00} attached to the loan an can not get any answers from anyone about the extra {$15000.00} what do i do?? thanks XXXX XXXX
Consumer complaint received 2015-12-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (NY)

I was contacted by phone from Convergent right before or around the 7 year date of past due payment to XXXX. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment XXXX for XXXX or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX Convergent did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to Convergent on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let Convergent know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received an email message from Capital One on XX/XX/XXXX indicating that my checking account had been over-drawn. I logged on to my on-line account and realized that Capital One had debited my account with a check belonging to another account. I immediately sent an automated message to dispute the transaction. The following day, I called customer service to follow up since I had not received a response. The agent reversed the overdraft fee but indicated that the actual transaction would not be reversed for 2-3 days. 
I again followed up on day 3 and then was told that the reversal would not take place until XX/XX/XXXX. The customer service supervisor did indicate that he would " temporarily '' reverse the debit so my funds would be available to me. The incredibly disturbing issue with this entire transaction is the fact that I am able to see an image of the check written from a different account ... routing number, account number, customer name and address, etc ... a complete lack of security. What would stop this error from occurring again with one of my own checks being debited to a stranger 's account, allowing them to easily obtain my personal information. Capital One needs to put immediate corrective actions in place to avoid errors like this and to avoid breaches of security.
Consumer complaint received 2015-07-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (CA)

On XX/XX/XXXX got a msg to call XXXX. Called & person asked for XXXX. Tried to inform woman that 's not my legal or common name, only XXXX. She kept berating & yelling, finally claiming that I was rude & hung up on me. I called back and informed next woman that I had filed for ChXXXX XX/XX/XXXX and had no bad debts what so ever. She promised to take my # off their list. Rec 'd a call XXXX XXXX Sunday about XXXX then again at about XXXX. Informed woman that Collection agencies should not call on Sunday especially if I do n't owe them! Today XXXX XXXX got another call @ XXXX and woman ( LOL ) was reading me my XXXX XXXX over the phone. After informing her that I have no bad debts since BK XX/XX/XXXX, I kept repeating " Cease and desist '' to her because they have no right to harass me for someone else 's debts! The name of the agency given to me XX/XX/XXXX was Credit Control but today the " law enforcement '' sounding woman said she was with " something..XXXX XXXX '' I do n't remember the exact name. When I called back the phone # on XXXX XXXX, the woman on the line said the debt was for housing in XXXX. I think it is in California but I 'm not sure. The caller today tried to scare me by impersonating the actions of real law enforcement personnel. I have clean record but have watched countless detective shows on TV and so I know what the Miranda Rights are!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I contacted Experian and requesting that they dispute and remove the following credit inquiries, and they refused to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

This evening, I found unauthorized inquiries on my credit report, and Im completely baffled as to why. When I checked my credit report as usual, there were discrepancies that came out of nowhere. I even refreshed my browser to see if it was a mistake, but the inquiries persisted. Im requesting that my submitted documents be carefully examined so I can stop worrying about this.
Consumer complaint received 2015-07-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC. (CA)

I was threatened with prison time, having XXXX warrants filed by XXXX, was told that " I 'll bend you over XXXX '' " the best you ever had '', was told that I have violated federal and state laws, will be prosecuted for check fraud, multiple threats and told that they will destroy me! The debt was sold by check into cash, and I want them held responsible. The collector/ " attorney '' gave misleading and false information. Someone needs to be held accountable for their actions, please help ...
Consumer complaint received 2015-07-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was searching to buy a car at local dealership and was not able to find anything decent under {$10000.00}. Someone mentioned XXXX. I went into XXXX and found a XXXX for {$4000.00}. I reached out to the seller a XXXX XXXX and we communicated through email and text. I was sent an XXXX link to go into to buy the car at the end it instructed me to go Bank of America to deposit the money. I was given a name " XXXX XXXX '' and an account number. I went to bank and made the deposit on Saturday XXXX XXXX. On Monday, I called the XXXX phone number to confir receipt and to find out when I will receive the car. The phone rang and no one answered. On Tuesday, I called XXXX directly and they informed me that they have no record of this item being sold and they are pretty sure from what explained to them that it is a scam. I immediately went to the bank to notify them and to request that they put a hold on that money the {$4000.00} until investigation is done. The bank refused. I called their fraud department XXXX times to explain what happened and to ask for help, they said that they can not do anything. I went to the police and filed a complaint with the local sheriff and the FBI and notified the bank of such actions and provided all the evidence to show the bank that this is a scam, such as the deposit receipt, the emails with the scammers, the complaints and nothing seem to appeal to the bank. Even though, they know who is the owner of the account, they know that it is a scam, they are not willing to provide any information to help in the search of this scammer and to resolve the issue.
Consumer complaint received 2015-11-07
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I was a former Scottrade Bank customer ( I closed my account after what I consider to be a complete failure of Bank responsibilities when Scottrade announced that over XXXX XXXX customers had their very personal information breached ), see here : XXXXI closed my account because Scottrade refused to answer my questions about the data breach and had a generally unhelpful and unconcerned attitude towards the situation. Considering I 've been a victim of identity theft before, I am very concerned. 

Late week, I found that others are having identity theft problems as a result of the databreach and if you review XXXX and a google search for " XXXX Scottrade '' you will see that in as early as 2013, Scottrade was warned about security flaws but apparently did nothing. This is most concerning, in one of the FOIA requests obtainable by searching " XXXX " Scottrade '', Scottrade admits to being in receipt to a tip that detailed the exact flaws within Scottrade 's database system. 

Bottom line is, I am unhappy with Scottrade service and upon discovery that Scottrade failed to investigate warnings of failed security, I will be pursuing action against Scottrade. In this, I kindly request Scottrade provide me with a copy of the arbitration agreement.
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Resurgent Capital Services L.P. (IN)

By letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX ; LVNV Funding ( letter attached ) notified me in writing " ... if you notify us in writing within 30 days of receipt of this letter ... we will obtain verification ... provide it to you. WE WILL CEASE COLLECTION ACTION UNTIL WE SEND YOU VERIFICATION. Letter dated XXXX XXXX, XXXX ( copy attached ) and Signed Receipt by LVNV Funding dated XXXX is attached. I notified LVNV Funding in writing effective XXXX XXXX, XXXX that i disputed the Debt and they were to provide me validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA bars any further collection activity until the validation has been sent. A letter dated XXXX XXXX, XXXX ( letter attached ) from XXXX XXXX XXXX XXXX XXXX XXXX is attached stating the LVNV Funding had assigned the delinquent account to them for collection. Further, LVNV Funding has continued since the XXXX XXXX, XXXX receipt of Dispute and Request for providing validation IAW FDCPA to report the Debt as a collection action to all XXXX Credit Reporting Agencies. LVNV 's assigning of Debt XXXX XXXX XXXX XXXX XXXX XXXX and their subsequent action without first validating the debt since requested in XXXX are express violation of the FDCPA. Also this is a TIME BARRED DEBT!
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has wrongfully, maliciously and fraudulently denied insurance for an auto accident rented under compliant terms as expressed by the bank. The subsequent communication has become more and more anfractuous by the bank as they continue to fabricate lies and misrepresentations about the circumstances and their coverage. They have used this wrongful denial and broken representation to leverage negative credit reports for XXXX people, XXXX of whom were not involved whatsoever in the incident.
Consumer complaint received 2016-02-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NC)

We purchased this property in 2002. Now we want to sell it and move to Florida due to health issues. We are unable to do this, as there are XXXX undisclosed liens on the house and no one seems to be able to resolve this issue. Both the closing attorney and the agent are telling me that they have no files or information that can help me. The only party who seems to have any records regarding this is the DMV where the XXXX liens are showing. The title company is not helping either ( letter attached ). Bank One ( seller of property ) has proved to be impossible to reach. The original contract states that they ( Bank One ) has granted a clear and marketable title. Please, help.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T. T H E L I S T O F A C C O U N T S B E L O W H A S V I O L A T E D M Y F E D E R A L L Y P R O T E C T E D C O N S U M E R R I G H T S T O P R I V A C Y A N D C O N F I D E N T I A L I T Y U N D E R 1 5 U S C 1 6 8 1.

A C C O U N T N A M E : # XXXX XXXX XXXX, A C C O U N T N A M E : # XXXX XXXX, H A S V I O L A T E D M Y R I G H T S.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 2 A, S T A T E S I H A V E T H E R I G H T T O P R I V A C Y.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2, S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A N A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S.

1 5 U. S. C. 1 6 8 1 C. ( A ) ( 5 ) S E C T I O N S T A T E S : N O C O N S U M E R R E P O R T I N G A G E N C Y M A Y M A K E A N Y C O N S U M E R R E P O R T C O N T A I N I N G A N Y O F T H E F O L L O W I N G I T E M S O F I N F O R M A T I O N : A N Y O T H E R A D V E R S E I T E M O F I N F O R M A T I O N, O T H E R T H A N R E C O R D S O F C O N V I C T I O N S A N D C R I M E S W H I C H A N T E D A T E S T H E R E P O R T B Y 7 Y E A R S.

1 5 U. S. C. 1 6 8 1 S - 2 ( A ) ( 1 ) A P E R S O N S H A L L N O T F U R N I S H A N Y I N F O R M A T I O N R E L A T I N G T O A C O N S U M E R T O A N Y C O N S U M E R R E P O R T I N G A G E N C Y I F T H E P E R S O N K N O W S O R H A S R E A S O N A B L E C A U S E T O B E L I E V E T H A T T H E I N F O R M A T I O N I S I N A C C U R A T E.
Consumer complaint received 2024-08-14
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. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).