davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I have been with TD bank for over nine years and have personal and business direct account with them. This was regarding by business account. I own a laundromat and that is a cash business, I deposit over {$12000.00} a moth in this account and TD bank charges a fee if it supposed {$10000.00}. One of the bank employees offered to help me set up my account so I avoid that fee. 
She had made a mistake how she set my account, she has set up my account that I should have {$40000.00} in my account minimum ( which is how much a receive from my business in the whole year )!! 

As a result of this, I have been charged maintenance fee of {$30.00} a month for 15 months. From XXXX XXXX to XXXX XXXX. 

When I brought this to the attention of the bank manager XXXX he admitted that they made a mistake BUT because I took so long to notice their error he was ONLY going to refund HALF of my money! They charged me over {$450.00} and only gave me back half. I filed a complained to TD bank customer service and did not get enywhere the manager only returned half. I think it is completely UNETHCAL for TD Bank to get paid for the mistake they did on my account and they should not be paid for it! 
I would like a full refund and my my account restated the way it way before it was tampered with ( at {$500.00} minimum at my account which was their promotional offer when I opened an account with them! 
After it was tampered with I have lost this promotion and now I have to minimum of {$1500.00} on my account ).
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

Caliber Home Loans has engaged in the prohibited pattern and practice of XXXX Foreclosures. The new and old lenders have colluded and conspired to do a XXXX Foreclosure. Caliber Home Loans is effectively acting as servicing arm for XXXX, a private equity vehicle packaging up XXXX of dollars worth of troubled mortgages. XXXX has packaged lots of funds, but the most recent significant ones are XXXX XXXX Master Participation Trust and XXXX XXXX Master Participation Trust. Based upon the information that I 've gathered, it appears XXXX sold its interest to XXXX Master Participation Trust while the loan was subject to a foreclosure lawsuit originated by XXXX. Instead of discontinuing the lawsuit, or substituting XXXX Master Trust as a plaintiff, XXXX has continued the Foreclose lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. 
On XXXX XXXX, XXXX, XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). XXXX is claiming to be the owner and holder of the note and mortgage on XXXX XXXX, XXXX. No documentary proof exists showing XXXX was actually the owner and holder of the note and mortgage at the same time. Caliber Home Laons stated that XXXX was the previous servicer of the loan. This is not true and patently false. ( emphasis added ) XXXX was never yhe previous servicer of the loan. 
XXXX. ( " XXXX '' ) is a Delaware corporation and an affiliate of XXXX XXXX XXXX with headquarters at XXXX office in New York. XXXX was the sponsor of the XXXX transactions described in this Order. As sponsor, XXXX purchased mortgage loans from originators and sold them to depositors for resale to the XXXX trusts. 
On XXXX XXXX, XXXX, the Securities and Exchange Commission ( " Commission '' ) issued an Order Instituting Cease-and-Desist Proceedings Pursuant to Section 8A of the Securities Act of XXXX and Section 21C of the Securities Exchange Act of XXXX, Making Findings, and Imposing a Cease-and-Desist Order ( " Order '' ) against XXXX ( " XXXX '' ), XXXX., XXXX, XXXX, and XXXX ( collectively, " XXXX XXXX '' or " Respondents '' ). 
In the Order, the Commission found that the Respondents engaged in misconduct including misrepresentations or omissions in the offer or sale of residential mortgage backed securities ( " XXXX '' ) relating to two undisclosed business practices that violated Sections 17 ( a ) ( 2 ) and ( 3 ) of the Securities Act of XXXX ( the " Securities Act '' ). 15 U.S.C. 77q ( a ) ( 2 ) and ( 3 ). 
Caliber Home Loans has also violated PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing XXXX, XXXX and XXXX.
Consumer complaint received 2016-12-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO. (IL)

Ford Motor Credit has denied financing that I qualify for. Over 10 years ago I filed a bankruptcy and was under order of the court to surrender a car. They sold the car to recover some of the loss. They continue to " hold it against me '' even though I clearly qualify. I was told that because of that I will never be able to get financing through them.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am asking for your assistance regarding the incorrect account on my credit report. This issue has hurt my reputation as a customer, and I need your support. I want these accounts removed because they are being reported inaccurately and have a negative impact.
Consumer complaint received 2024-08-09
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. (GA)

ATTN : Experian I recently obtained a copy of my personal credit report and I have noticed quite a few errors and inaccuracies. 
Also, I never have given you written consent to include any of this information on my credit report. This is proven under the consumer laws as identity theft. To bring to your awareness, the following accounts on my personal credit report are reporting without my consent : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I am sure you are familiar with the consumer laws that were created to protect the consumer and your bureau is currently in violation of these agreed upon laws. Please review the following laws that you are obligated to abide by : Order 15 U.S. Code 1681 b Permissible Purpose of consumer reports : I never gave you any written consent to report the above listed accounts on my credit reports, and no consent is fraud upon your bureau.

Order 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report : The listee accounts are in violation. Transactions are to be excluded from a consumer report if no social security number was verified for the transaction.

Please remove these accounts from my credit report immediately, if not, I will be forced to gather all my evidence and seek legal actions. 
Regards, XXXX XXXX
Consumer complaint received 2016-06-22
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Finance of America Mortgage LLC (CA)

have been working with this XXXX XXXX XXXX for over a year. To my excitement they finally pre-approved me and got me underwritten for a home loan. When we found our home we were denied. That was n't the hardest part of the process because they have misinformed me about percentages and other vital details during the loan processed. That was n't the hardest part of the process because they have missing for me about percentages and other vital details during the loan process. Another loan office wanted to pick up the deal and they would n't release it until I paid them. So I gladly gave them {$500.00} so I can move forward. Come to find out after losing our home and being the night again that they had so I gladly gave them {$500.00} so I can move forward. Come to find out after losing our home ( rental ) and being denied again that they had a block on our loan. We are now currently living in a friends tiny trailer with our XXXX kids.
Consumer complaint received 2016-04-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

When my wife opened a new individual account at Chase Bank to receive her Social Security payments, the Chase employee was instructed to not include my name and social security number. My spouse had XXXX other accounts in which I had signature authority, therefore my Social Security number was on file. This process of removing my name Social Security number from the new application triggered an alert or concern with Chase Bank. This resulted in classifying me as a " reputational risk ' to the Bank and XXXX Chase Bank accounts were closed and XXXX credit cards were cancelled where my name and Social Security number were attached. Local branch manager at Chase reviewed the new account process with the employee and indicated that the new account process caused problem. Chase management refuses to acknowledge the cause, reverse their damaging allegation about me or tell me what makes me a 'reputational risk ' or re-establish the accounts. 

A complaint letter has been sent to Chase Bank branch in XXXX XXXX but I am told that nothing can be revealed to me about the decision but other financial institutions will be notified that I am a 'reputational risk '. This is damaging for me and Chase 's claim can not be challenged.
Consumer complaint received 2016-04-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I turned in my XXXX XXXX XXXX in XXXX XXXX and leased a XXXX XXXX at XXXX XXXX. At the time of negotiating I was advised by the salesman that my excessive miles would be waived since I was a loyal customer. In XXXX of XXXX I received a bill for {$1300.00} for excessive wear and tear and mileage. The dealership never informed me of my right to have a pre-inspection completed. I called Toyota and spoke with a person named XXXX at the XXXX XXXX XXXX department and explained my story. She then informed she would get back to me and I never heard from them again. Today I was called by a debt collection company, XXXX XXXX XXXX and I advised I was disputing this. The collector was aggressive and said she would mail me the contract and since I had nothing in writing from the dealer I owed this. contacted Toyota again and they refused to speak to me since my account was in collections
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-01-10
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

See complaint Case number : XXXX It took XXXX days for them to tell me that the refinancing to not go through. I will settle this matter for {$11000.00} dollars. The refinancing was to be used to pay off my credit cards. Now my credit cards are suing me. I have paid over {$100000.00} to JP Morgan Chase which is more than I paid for the house. Most of these funds went to interest. JP Morgan has mishandled my refinancing, my loan modification, and my options. Now I have to untangle this mess!!
Consumer complaint received 2017-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

I had joint checking account with my mother, which we closed in person at the branch early   XX/XX/XXXX  . Currently we have received bill from the bank  (    XX/XX/XXXX -  a year later!!! ) with  XXXX  balance charge which was triggered in   XX/XX/XXXX   by charging our assumingly closed account {$5.00} dormant fee and creating fake interest of {$1.00}. By phoning in this complaint in, I was told they can not waive this dormant fee charge, because there is balance on this line of credit attached to this checking account. They created this mess on their end by not closing this account, despite my and my moms request and created these charges for themselves.
Consumer complaint received 2016-06-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Little over 2 years ago I applied and received a loan mod for my FHA loan. I completed the trial period and was able to pay the loan on time. In the meantime I was no longer able to work due to a XXXX. I applied for XXXX, the waiting period for a court date was 2 years in itself. In the meantime my house hold income was also reduced because of a separation with my wife ( which is still the case ) reduced my monthly income, disallowing me to make partial payments to catch up my arrears. While I was waiting for this I was borrowing money from my parents to pay the mortgage in the interim. I did finally receive my XXXX last XXXX, 2015. I had to use my back pay to pay back my parents the money I owed them and still needed to pay more back to them. I ended up getting behind once again after 5 months or so as I was still paying everyone back. Once I started to get behind ( XXXX payments ) I immediately applied for a loan mod from BOA. During the pre-screening of qualifications they asked a series of questions. I also made clear to them that I did not know if because I had a mod. less than 2 years prior would I still qualify, based on that soley they said yes I would. 
A year went by they continually added hoops to jump through and in fact put hoops I had already jumped through in front of me again. At the end they said I did not qualify for a mod because it had been less than 2 years! Now I am at a point which I have to file for Chapter XXXX to catch the arrears up on my house. If they had told me from the beginning I did not qualify based on the initial information I could have went forward with the chapter XXXX and made it much more affordable to pay this back.
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I have been victim of identity theft at USAA. Someone has stolen my SS # and made a fake DL to open XXXX fraudulent credit card accounts and a bank account under may name. I have sent everything USAA has asked me to send from day one, since 4 months ago, and have hadXXXX lengthy follow up calls with them to date. Every time they say all is cleared but they fail to confirm to me by writing or email and report to the credit bureaus. Please see my last correspondence to them by certified mail, attached. This has been a nightmare for me. The situation is very suspicious and concerning as there are reasons to believe that the thief is potentially either internal to USAA or has a good line into USAA! Please help!
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (PA)

We were three days late in paying on our Barclaycard XXXX XXXX XXXX credit card, issued by Barclays Bank Delaware. We ordinarily pay the full balance each month, but we had been on vacation and our schedule was off, so we expected to be assessed some sort of late fee and/or interest. But I was shocked and disturbed to learn what must have been hidden in the fine print : on a total statement balance of {$26.00}, we were assessed a late fee of {$26.00}. This was so disturbing ( and confusing ) that we called to complain. The explanation from a supervisor : the late fee was SUPPOSED to be {$27.00}, but apparently the bank 's policy was to lower it for a smaller balance. When I noted that this was equivalent to charging us 100 percent interest for three days, the supervisor said he understood but that there was simply nothing he could do. In fact, I assume that we will also be assessed interest for the carried balance, so the ultimate cost of this will be more than the total balance. On an annualized-interest basis, that seems equivalent to charging us more than 10,000 %. I do n't know if this is legal, but it should n't be -- it 's an abhorrent, " gotcha '' charge of the worst sort.
Consumer complaint received 2016-04-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Financial Corporation of America (TX)

At XXXX on XXXX/XXXX/2016 I received a phone call from a person named XXXX who claimed to be with Financial Corporation of America. He asked to speak with XXXX and I said this is he. I asked what this was in reference to and he said a personal business matter. I said if you are not gon na tell what this is in reference to I am not gon na talk to you and he would not so I hung up. Check the supporting documents to see that there is no Financial Corporation of America listed at this number or anywhere in the city of XXXX XXXX, Texas. As you will see this number is registered to XXXX XXXX XXXX.
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (FL)

This is another medical debt that was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XXXX of 2015 along with XXXX other debts.
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been with Bank of America for the last 7 years along with a Small Business Account since XX/XX/2014. 
The local Bank of America Bank asks me each time I go into their location, to open up a credit card. Each time I tell them that I understood you need XXXX credit scores, as mine is at the XXXX range ( personal account not business ). They told me no things have changed, etc. 
I went ahead and took the Credit plunge and tried to open the account. I was turned down as I expected and it was explained that I had credit issues back 4 years ago with my personal credit not business credit. Yes as we did due to the fact we had health issues with my husband and were late paying some bills due to issues occurring during that timeframe. 
If this is a Small Business Credit Card, why are they putting emphasis on the Personal part of my business not Business?
Consumer complaint received 2017-01-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (WI)

XX/XX/XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XX/XX/XXXX Debt collection enter Judgment/and order me to pay. XX/XX/XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XX/XX/XXXX Debt collector agency mailed me an letter demanding for full payment XX/XX/XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XX/XX/XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XX/XX/XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XX/XX/XXXX- XX/XX/XXXX. another Debt collector demanding full payment past 2 years this 2nd debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XX/XX/XXXX Judge close the case. Debt Collector reopen XX/XX/XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XX/XX/XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XX/XX/XXXX court day Attorney always order phone appearance. 
XX/XX/XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XX/XX/XXXX Debt Collector mailed court order for court day XX/XX/XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XX/XX/XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Pressler & Pressler, LLP (NJ)

There is a judgment on my credit report which does not reflect as being satisfied. To date, XXXX and XXXX have completely removed the judgement from my file. However, XXXX has not removed this from my credit file although the judgment has been satisfied.