davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, my debit card and pin was compromised and I had {$300.00} withdrawn from my account without my knowledge and I was also charged {$170.00} in overdraft fees ( {$35.00} x 5 over the course of 24 hours ). I have reason to believe that it was compromised at a TD Bank ATM. On XXXX XXXX, money was taken out from a TD Bank location in XXXX less than an hour after I made a withdraw in XXXX. TD had flagged the account for fraud activity but never contacted me in any way. The card used also did not have a security chip while the XXXX issues to me did. After a 2 week investigation, TD Bank refunded the {$300.00} that was withdrawn and {$70.00} in overdraft fees. But because they had posted the overdraft fees before the fraud transactions, they are giving me a hard time returning the other {$100.00} that they charged me for this fraud transaction. They have promised me to return the money the following day twice but I have yet to receive any kind of credit for it. They are holding my money hostage, but still charging me monthly fees all because of their practice of placing some transactions before others rather than in the order in which they occurred in order to charge overdraft fees and collect money. This has been a nightmare and I am forced to be on hold for XXXX60 min anytime I call customer service. I even went to the branch manager and he brushed me off and told me I would have it tomorrow but nothing ever came. TD Bank should be barred from pursuing this practice against consumers! Transactions should be placed in the correct order that they were made, not how TD feels whats best for them. As of now, I was charged {$100.00} in overdraft fees on an account that had over {$100.00}.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I contacted Transunion about an Unauthorized Hard Credit Inquiry that appears on my report. I have tried unsuccessfully to have it remove as they claim they are not able to do that. I have contacted the company ( see below ) and also requested they remove it and they told me it was an Error on Transunion 's part as they did not do a hard pull. Neither wants to address the problem and I want this information taken out of my report as it is inaccurate and possibly a fraudulent request to obtain information about me without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/2016
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My mother and I have the same name but different Security Numbers and addresses. I have been under a different address the past two years. I see some disputes on my report that possibly could have came from my mother. I have not been to a college. Please let me know what future steps I have to resolve these issues please.
Consumer complaint received 2017-03-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

I am writing to complain about excessive overdraft fees on my TD BANK checking account. 

NOTE : I am intentionally enrolled in the TD Bank Debit Card Advance program which allows me to overdraw my account for a {$35.00} overdraft fee. Although I think this is excessive, I accept this in exchange for the ability to overdraw my account occasionally. 

What I DO NOT accept is incurring multiple fees due to the methods banks use to process and post my transactions. 

For example, on Friday XX/XX/2017 I intentionally withdrew {$100.00} cash from an ATM expecting a {$35.00} fee. That was the last time I used my debit card. When I checked my balance today, it showed an additional {$140.00} fee due to transactions the bank says occurred on Monday XX/XX/<YYYY> They explained this is due to processing delays. 

They credited my account for {$35.00} as a courtesy and said they could provide no more credits due to an annual limit on fee credits. 

I firmly believe banks are taking advantage of delays in processing as a way to charge excessive fees. From my POV, I watched my balance and made charges which were approved by the bank because the funds were available. The bank immediately lowered my Available Balance after I made these charges. This works correctly. 

I then needed some extra cash so I decided to overdraw my account by withdrawing {$100.00} from an ATM knowing I would receive a {$35.00} fee. This part does not work correctly. 

The bank says ( XXXX ) transactions which I physically made before I ioverdrew my account on Friday XX/XX/2017 actually cleared my account on Monday XX/XX/2017 and therefore are subject to {$35.00} fee each. XXXX of these transactions were less than {$35.00}! 

The customer service rep said I can turn this service off implying I am in control and it 's my fault for using the service. This is not the issue. I like the flexibility this service provides. My complaint regards the way banks abuse this feature to charge excessive fees and turn XXXX overdraft fee into XXXX claiming they can not control the way they process charges. 

I believe they can if they were required to. If banks are able to adjust my Available Balance immediately, they can also use this data to determine overdraft fees.
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (TX)

I applied for an FHA Streamline refi loan with Freedom Mortgage corporation, but I felt I was being given the runaround while waiting for approval from their Underwriters ( was asked to provide the same documentation repeatedly, etc. ). I decided to apply with another lender and withdraw my application from Freedom mortgage, but now they are sitting on my FHA case # and not releasing it to my current lender, which is holding up my loan!
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Payoff process — 
Company: CAVALRY INVESTMENTS, LLC (MO)

i submitted a claim for XXXX XXXX with you all. They wrote me back kindly and said they sold my debt to Calvary. Well calvary wants to sue me. After XXXX XXXX heard why i fell behind and they were sending old bills to wrong address. they were compassionate and said they would forgive it but its now sold to calvary. calvary is now suing me without giving me any chance to explain why i fell behind.
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NM)

Freedom Mortgage received and cashed my XXXX 2016 payment but they did not apply it to my loan # or mortgage account. 
They tried to say that I did not send it in, but the records showed that it was cashed on XXXX XXXX, 2016 well before it would be considered late. 
They stated they had " lost '' the payment and proceeded to send me letters stating I was overdue and in default. They called repeatedly asking for the payment they had already cashed but never applied to my account. 
I requested proof of payment, including the endorsement and the # of the account it was deposited into. I have sent this information to Freedom Mortgage, but they have yet to apply the payment to my account and continue to call me, saying that my payments are late. 
They have refused to send me a check for an escrow overage that is due me, even though I am up to date on all payments, just because they never applied the payment correctly to my loan #. They are sending my bills with late fees, even though I am up to date. 
They have refused to respond to XXXX recent emails, asking for them to call me back. Their representative, XXXX XXXX, stated that Freedom Mortgage would reimburse me for the fees necessary to prove endorsement and cashing of the payment. He stated he would send me correspondence on Freedom Mortgage letterhead to confirm this, but this was never done. Why do they expect customers to pay the price for their ineptness in losing payments and to incur additional costs to provide proof to them of their own endorsement and cashing? 
I have spent 40+ hours talking to their " customer service '' representatives who treat me like a criminal, even though I have sent them all the evidence to prove that this is THEIR ERROR and they have had the money in their account since XXXX XXXX, 2016. 
They are non-responsive and have not fulfilled their contractual responsibilities to me as a customer in completing the basic task of applying my payments to my loan. They are at fault, have taken no responsibility and have demonstrated incompetence and a basic lack of regard for their obligations and duties. 
They should be held accountable. They have XXXX complaints against them.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I have XXXX late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a {$250000.00} check into my Bank of America account on XX/XX/year> at a branch. They placed a hold on the check of 7 business days until XX/XX/year> even though the funds have already been withdrawn on XX/XX/year> from the account from which the check was drawn. They plan to hold my funds for 7 business days before giving me the money.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

A severe violation of the FDCRA law has occurred, particularly FCRA 611 Procedure in case of disputed accuracy ( 15U.s.C. 1681i ) Requirements relating to reinsertion of previously deleted material. Because I have been a victim of fraud, I have credit monitoring services for Transunion, XXXX and XXXX to keep me abreast of any changes to my reports. On XX/XX/2017 I received notices that from XXXX and Transunion both that they had deleted an collection account from my report, XXXX, I went to verify and sure enough it was deleted. However, when I went back to check it was reinserted on XX/XX/2017. The law states that a consumer reporting agency shall provide to a consumer in writing no later than 5 days after the reinsertion date. To date, I have received no such notice. This is a complete violation as I have not been notified and when I called the Special Handling Department and spoke with a US Agent, they said that it was nothing they could do unless I disputed it. However according to the law they FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THAT IS NOT TRUE. 
I am desperately seeking your help to get the XXXX account removed from my Transunion credit report because they violated the law and re-inserted it.
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (OR)

I am currently trying to refinance my home. After talking to a lender I found out that I have a judgement against me that I did not know about. After trying to find out more information about the debt, i.e. going to the courthouse to find the claim, calling the creditor themselves ... We could not obtain any information on this debt. We contacted XXXX and they stated that they did not have any information on this judgement and they directed us to a lawyer office which turned out to be a dead end because it is just a recording with no number to reach anyone. We have tried to contact them several times. I have not received any letters about this judgement or any other forms of contact.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I was approved by my current mortgage company for a home modification. I accepted the offer and began to arrange my payment amount and monthly budget. I went to my mortgage company 's website and found an option that allows a payment plan that would automatically deduct payments from my checking account. I signed up and the payments began to be deducted automatically. After multiple payments were applied to my account the next few payments changed, not by myself and to this day I do not who changed the amount and why. I called my mortgage company to ask questions, a few payments were reversed from being suspended and applied to my account. This changed caused the wrong amount to be deducted from my checking account in turn resulted in the delay of payments. I received a letter from my mortgage company stating that the trial payment plan is no longer accepted due to lack of payment amount. If the amount of the payments were not changed the correct amount would have been deducted. I am requesting help in this matter. I do not want to be forced out of my home. 

Thank you
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (NY)

I paid off my XXXX credit card thru Credit Control, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX but it still show 's as in collection on my credit report. How ca this be removed? XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is regarding the charge back dispute filed with the Capital One. The dispute amount is {$840.00}. The case # is XXXX. On XX/XX/2016, Capital One issued a refund check in the amount of {$840.00}. On XX/XX/2016, XXXX., I inquired with Capital One Dispute department to see what is the reason for issuing the credit refund and it is okay to cash the check. The agent contacted its Customer Relations Department to check the reason why the check was issued and she discovered that the Merchant failed to respond ( " representment '' ) within 45-48 days per visa guideline. Now that the Merchant responded with non-conforming evidence ( completely irrelevant documents ) after the 48 days of my initial filing date, Captial One rebilled {$840.00} to my account and imposed late fees without mailing me the billing statements. I called and complained to Capital One, however they are telling me now that the case is closed and I must pay the credit refund. Capital One violated my rights as a consumer by failing to exercise their duties to investigate the charge back documents NOR abide by the Visa chargeback guidelines, State and Federal Laws. The Dispute Department at Capital One are not equipped with knowledge of visa dispute guideline nor knowledge of law regard to the disputes/chargeback. Please help me resolve this issue with Capital One to vindicate my rights.
Consumer complaint received 2016-05-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

My complaint is against Ocwen Loan Servicing , LLC ( www.ocwen.com ) ; Research Dept. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Loan # XXXX Ocwen has erroneously billed me for triple the amount of my regular payment. They are threatening to report judgement against me to credit bureau 's if I do not pay it by a specific date. 
I have consistently paid my amount due on time plus an additional amount to apply to the principal. Ocwen never informed me of a change in payment due or change in terms of the loan. Ocwen applied my payment to a " suspense account '' and showed that it was a partial payment. This is wrong. 
Some bills did not show any detail of my payments. Other bills have shown inconsistent payments due each month. No one from Ocwen will explain their inconsistencies. Each call results in speaking with a different representative with a foreign accent who gives first name only and a number. They suggest that I write or call the research department. I have done that many times. No one has made the corrections yet. 
I have read several complaints about Ocwen, Indymac, and XXXX XXXX. Properties have been foreclosed on due to their erroneous billings. 
I am requesting that my account detail be corrected. I would like my payments to be consistent ( retroactively ) with the amount due that was agreed upon. I want my payments applied correctly. I want a written statement to confirm that the corrections have been done. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; or XXXX XXXX.
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

On or about XXXX, XXXX, Wells Fargo assumed our mortgage loan. We arranged for our monthly mortgage payments to be made from our checking account and were never late up until we paid off the loan when we recently sold the house. 

We unfortunately did file for Chapter XXXX bankruptcy in XXXX, XXXX, paying $ XXXX/month to the court trustee. Our case was discharged, after we made all of our trustee payments on time, on XXXX XXXX, XXXX. Not XXXX of our payments to Wells Fargo were ever late, most coming directly out of our Wells Fargo checking account using their auto pay program. 

We are in the process of refinancing our current mortgage to a lower percentage with XXXX Mortgage and were told that XXXX XXXX, on the behalf of XXXX, found that Wells Fargo has discharged our loan showing it as being discharged in bankruptcy, rather than being either paid on time or fully paid. Our bankruptcy was filed almost 7 years ago, discharged over 3 years ago, & had no detrimental affect on Wells Fargo whatsoever since we made every single payment on time & in full, evidenced by their own records. Wells Fargo admits this but says that since we did not " reaffirm '' the debt officially, they will not show it as anything other than a detrimental bankruptcy on our credit reports. The agent at XXXX XXXX was mystified at Wells Fargo 's action and response during a conference call and said that he was changing his report to show Wells Fargo paid on time & in full so that the refinancing with XXXX could go through as planned. 

But we are concerned as to what will happen to our credit in the future as the result of this action by Wells Fargo. We, as many consumers, had financial difficulties after the XXXX financial recession. But my wife and I have worked hard to recover from them. Since our Chapter XXXX filing we have paid our bills and creditors on time, built our credit back up, and expected our bankruptcy to fall off our credit reports this XXXX, only to find this new attack on our credit reports from Wells Fargo to appear when the only thing we did to them was always pay our mortgage on time every single month. Do we now have to wait another 7 years for our bankruptcy to fall off our credit reports? 

Please help. 

This, to us seems extremely unfair. I have attached payment information from Wells Fargo 's own website for the last 36 months ( as far back as I could go ) that shows all payments made on time.
Consumer complaint received 2016-05-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong XXXX. I retained a firm that sent a legal request for debt validation as per Federal law in XXXX ( attached ). This was never responded to. 
I have seen that the lawsuit has been stopped but I fear they will try and bully me again. 
The law says a debt must be fully validated, as per the letter that was sent to Midland Credit Management.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2024, I checked my credit report on XXXX XXXX XXXX had a reported collections from LVNV FUNDING & a balance of over {$2000.00}, that was opened In XXXX of 2024, however Im unaware of this debt, and have never received any letter/documentation that this account was even open. 
I began a dispute with XXXX XXXX XXXX have not heard back.
Consumer complaint received 2017-03-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX, I deposited XXXX checks made out to " XXXX A XXXX and XX/XX/XXXX and AS A SOLE AND SEPARATE PROPERTY '' using the ATM at my bank, the Golden 1 Credit Union. XXXX check was in the amount of {$81.00} and XXXX for {$4000.00}. These checks were for claim losses due to a flood written by my flood insurance carrier, XXXX XXXX XXXX XXXX XXXX. 

When I checked my on-line balance the following morning I was appalled to discover that the $ XXXX check was credited back out of my account, and I have since learned they were mailing it back to me. Upon calling them, they stated they do not deposit 3rd party checks. This is incredulous, XXXX checks were made out to me and my mortgage company and were not 3rd party checks. They did not even bother to first call me or the insurance company to insure there was funding to pay the check. I have since been unable to deposit my claim loss check in my account. My mortgage company is lost and will not endorse an insurance check. 

I have spoke with their Escalation & Support Desk, which has provided instruction so I can expedite the deposit of the $ XXXX check as soon as it is returned to me. But today I received a call from a supervisor named XXXX XXXX who informed me they would not deposit the check. I need the funds to pay the contractors I have hired to repair my home who are waiting to be paid. It 's bad enough to be flooded, and I have done everything responsible to protect my property, including buying flood insurance, but now I am being screwed over by my own bank that I have been with since 1975.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Experian 's policy states that " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first XXXX missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late. '' I had a student loan which became late XXXX XXXX, XXXX. It has since been charged off. Given experian 's policies this account should have been removed from my credit report in XXXX. However, Experian refuses as of this time, XXXX XXXX, to follow the law and its own policies and will not remove this account.