davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a small business account two years ago. At the time it was never explained to me that I had to opt in to not allow overdraft of my account. My company was a small operation and I was nave, thinking banking products were similar to personal banking products. I was switching banks and made it known to TD Bank, well one day my account went to - {$6.00} and they continued to allow small purchases ( {$5.00}, {$7.00}, etc ) so that they could then hit me with {$170.00} in overdraft fees. They would not refund these fees because they were not banking errors, even though other banks do it. The manager on duty told me that as a businessman I should have kept better track of my account. She pointed to my phone and told me that I had the mobile app and should have kept better track. She was rude and if I had not been leaving the bank I definitely would after that.
Consumer complaint received 2015-11-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package to Frederick J Hanna & Associates. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX Frederick Hanna sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (VA)

In XX/XX/XXXX, my spouse purchased some jewelry on the XXXX website. In our online account information, we have her card, my card, and a joint card listed. She mistakenly placed the order with my card. XXXX months later she made another purchase, this time with her card. When it came time to pay the monthly bill in XX/XX/XXXX, we discovered that my card was nearly XXXX months overdue due to the fact that my spouse had used it by mistake. I had n't checked my account because I had not used it. We were charged {$100.00} in late fees and then my credit report was hit with a delinquency notice. At no time, did Macy 's ever send a written notification of the missed payment. They state that because I was paperless it is my responsibility to check online. However, since I never made purchase ( at least not one that I was of ), I did n't check. I believe creditors are required to notify in written form of a delinquency prior to sending you to collections or issuing a delinquency notice. In any case, once the discrepancy was discovered, the account was paid off. I feel that punishing me with a delinquency that will stay on my file for up to 7 years is unjust, particularly when I paid almost twice for the value of the original charge ( approximately {$140.00}. ) This behavior is very abusive and unfair. Macy 's has discretion and to punish a customer/consumer in this way is not only excessive, but vindictive. The account was paid and so was a substantial fine, relative to value of the original purchase. Furthermore, Macy 's made not attempt to alert me to the missed payments. They simply avoid doing this in order rake excessive fees. Then they add further injury by harming my credit history and raising my cost of borrowing. There has been no other time in my history with Macy 's that I have been delinquent, and I have had this particular account, since I was XXXX years of age ( XXXX years ). This type of behavior should be allowed to occur in our economy. Fortune XXXX companies are given far more leeway and protection than individual consumers.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (NJ)

The American Express Company XXXX Business Credit Card has just begun to process all payments made by or from non-business ( i.e. personal ) checking accounts by XXXX and not XXXX and does not provide any opt-out or alternate method of payment whereby payments are processed by XXXX or otherwise provides for an image of the check used for payments. This violates XXXX. I am asking for you to enforce this law on American Express and require them to provide a method to process payments by XXXX and not by XXXX conversion, so that the check issuing institution will receive an image of the processed/cancelled check for me to obtain for my records as provided for by law. ( The legal " Substitute Check '' image. ) Thank you.
Consumer complaint received 2015-11-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I paid off my car loan XXXX 2015. Istill do have not received a clear titleafter numerous contact with loan co. 
have been paying full coverage $ XXXXper month. can get liability for $ XXXXfor 6 months The payoff wasinstructed to send to XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2015-04-02
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (WI)

I had a payment due for a line of credit from a furniture store, I had to pay off the balance before the end of a 6 month special financing. I mailed the check 15 days before the due date for the full remaining balance, now on my latest statement, it says the payment was late, almost 20 days after I mailed it. so now I am subject to a late fee, which will then cause there to be an outstanding balance, where they then will charge me the exorbitant amount in interest on my entire balance at time of purchase. I have made every payment on time or early and my balance would have been paid in full had they not intentionally sat on the check until it was late.
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

I was sent to collection for a debt I should have never paid. I was never told about this debt. I rented out an apartment and the conditions of the apartment became unlivable. The roof was caving in and had a huge hole in it with termites and unwanted critters coming in. The apartment failed to repair the issue after multiple and multiple attempts. The apartment complex agreed to let me leave a few months early without penalty. When I left, they said I did not owe anything else. I signed the papers and left my keys. in XX/XX/XXXX, I was trying to rent another apartment when they said there was a collection on my credit report and I would have to pay it before I moved in. I paid it in XX/XX/XXXX, even though it says I paid it in XX/XX/XXXX. I was told the adverse action would be removed from my credit report if I paid it in full. It was never taken off my credit report and now the company is saying I 'm lying about it. I am extremely upset this fraudulent charge can even happen without proper steps being taken. A company can just say that I owe them money and send me to collections without having to go to court and prove it. 

I have paid the apartment well over {$1000.00} a month the entire lease and was never told about a final fee or charge of {$160.00}. If I was told about it, I would have fought it at that time if it was fraudulent.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC (AL)

XXXX keeps calling me in reference to a Verve Mastercard financed through Continental Finance. The representative are very rude and demanding. They threatened you with charges if you do n't pay the bill but refuse to send any documentation by mail. They demand that you give them your debit card information over the phone.
Consumer complaint received 2015-10-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IL)

My mortgage has been sold 3 times in the last 5 years. I started with XXXX XXXX XXXX Back, then I was sold to XXXX in the middle of my modification. As of XXXX 2015 XXXX sold me to Seterus. I had to call to get my Welcome package, my monthly bills change and are never the same amount. I have been told my escrow account was short from {$300.00} to {$75.00} and the latest amount of XXXX I paid and it was posted to the principal instead of the escrow. They have misposted my payments on a regular basis. I have been threatened with foreclosure for being a month late which I was not. I have spoken to XXXX different people including XXXX XXXX a manager who was rude and no one can explain why I owe money that I have already paid? I was paying the modification amount of {$1100.00}, then it changed to {$1000.00} now they say I owe {$1000.00} which includes the {$140.00} escrow shortage I already paid. I need help this company is very crooked.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (SC)

Asked for a loan modification from greentree servicing.Was denied the modification because I got a loanfrom XXXX at a 10.5 percent was told we would be able to refi in 5 yrs. This company XXXX XXXX and XXXX XXXX are all owned by XXXX XXXX. I would advise anyonethinking of dealing with any of these companies to run and run fast the other way. They are nothingbut predatory lenders. I pay more for 120,000 dollar house than my friends do for a XXXX.
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Western Portfolio Assets (TX)

Received an unblocked phone call and as left on my voicemail in regards to my son - they stated he had a warrant out for his XXXX. they need to process serve him in regards to a court summons in XXXX county and left a phone # XXXX XXXX XXXX with a case # XXXX - I called back, told them I was his mother and they left a voicemail for my son. I asked who they worked for and what was this about. and they refused to tellme who they work for. all I got out of them they were working a FRAUD case that there was a credit card taken out in my son 's name. I told him I will have him file apolice report because he barely turned XXXX they hung up on me. I called them back, he then accused me of opening a credit card in my son 's name, I asked for the original information and he refused. then he insulted meand called me names. I told him not to call my number again. - I asked for his manager another man came on phone and he refused his name or who he worked for.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (OR)

I bought a bed using an interest XXXX credit card. 
I had used the card for purchases in the past, but paid them off after realizing I had been mixing up my cards ( statements attached for XX/XX/XXXX ). 
In XX/XX/XXXX, I used an XXXX, forgetting this card was still linked to my XXXX account. 
Realizing my error, I paid off the uber charges immediately. The charges did n't fall off the account, despite payments made. I made several payments, but was charged an interest fee ( XX/XX/XXXX and XX/XX/XXXX Statement attached ). 

I contacted the bank ( Wells Fargo National Bank ) and was told I needed to make all payments within a XXXX day window, so payments made before that window are ignored. I spoke with an employee and a supervisor.
Consumer complaint received 2024-10-24
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. (AL)

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 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

The servicing of my mortgage was transferred from XXXX toSelect Portfolio Servicing at the beginning of XXXX 2015. I attempted inXX/XX/XXXX, to make my XXXX mortgage payment online, but was unable toaccess my account information. I contacted SPS 's customer service andthe gentleman who answered the call was also unable to access myaccount information. I was told they were a really large servicing companyand it takes time to load all the loans they purchased??!! Was this their firsttime uploading loans to their system? I did as I was instructed and waited untilXXXX XXXX to log into my account and to my surprise my account informationwas available. I logged in set up an account, placed my checking accountinformation into the system, to see a message I was going to be assessed a {$15.00} check by phone fee to make an XXXX time, on time regular mortgagepayment?!!! Working in the financial and mortgage servicing industry for thelast 13 years I know for a fact it costs pennies to process check by phonepayments. Consumer 's should not be charged outrageous fees to processregular on time mortgage payments. I am not delinquent, I am not having arepresentative process the payment, I did all the work, now automation takes over .... and I have to pay for the companies automation? I never had to pay afee with XXXX and since consumers can not choose who their servicingcompany is, I feel it is unethical for the new company to charge for servicesthe prior servicer did n't charge for. After calling in a talking to a servicingrepresentative at SPS, I got the run around before even getting the feewaived. I should n't have to pay {$15.00} for the company 's incompetence. 
Mortgage servicing companies are necessary for processing payments, dealing with the escrows, ect. but since the consumer can not shop aroundand make the choice about who services their mortgage loan, the servicingcompanies should not be able to charge customers for making onetimepayments online.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Cadence Bank (MS)

I was a customer at Bancorp South. My checking account came with fees and thats understandable. I had maybe.XXXX cents in my account when the bank assessed a fee of {$10.00} for my monthly fee which through my account in the negative. Then the bank charged me a countinuous overdraft fee of {$36.00} beacuse when they assessed the {$10.00} fee it through my account in the negative. Then the bank assessed a fee of {$5.00} because i had the XXXX XXXX card and it came with a yearly {$5.00} fee. They then closed my account after 30 days because of the negative status. Now the bank has turned me in to the XXXX company as if i was writing bad check or something. And then they sent me to a debt collector saying i owe them XXXX something dollar.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (AZ)

PayPal credit also known as bill me later failed to follow company procedures per their own terms of use when processing XXXX returned items. The failure to promptly apply the credit back to the paypal credit balance, instead of issuing a credit directly back to the PayPal account & removing the transactions that had promotional deferred interest attached they issued a general credit to my regular paypal account past the promotional expiration date. They failed to ever place the amount on hold for investigation as well, after I opened a dispute per the terms of use in XXXX when the transactions and Returned items still had not been refunded. To date i have an accumulated interest amount of XXXX and increasing because of the shear stupidity and inability of any of the customer service representatives to grasp the basic concept of how interest charges accumulated erroneously. They have issued a credit for the deferred interest amount that was initially added to theprincipal balance but that has done nothing to rectify the account errors. My perfect payment history and proper allocation of funds will show the account bearing no interest once the account is audited back dated to XXXX/XXXX/2013 when this entire nightmere began. All phone calls and conversations are documented for my personal references regarding this matter. I record all phone calls with all businesses that I interact with in an unbiased fact of the matter reference without prejudice for my own safety and quality assurance. XXXX amendment grants me the right to bear arms without infringement. The recordings serve as a form of armor to ensure integrity in all of my business dealings.
Consumer complaint received 2015-04-01
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

Daniels Norelli Scully & Cecere contacted my mother at her plce of employment and told her of my debt which she has nothing at all to do with. They threatened to garnish her pay and the said she was lying that she was really me. Then XXXX XXXX threatened to send the marshall to get me. hey took the money from a joint checking account that I have with my mother. They violated my rights under the fair credit act. They gave false information to the courts. I was making payments on this account. They never responded to any letters that I sent to them.
Consumer complaint received 2015-11-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (TX)

On XXXX/XXXX/2015, I had and unauthorized transaction debited from my account in the amount of {$190.00}. I called the merchant and they advised me that they did not see the transaction in their system. I disputed the transaction the same day Ticket # XXXX, on XXXX/XXXX/2015 I reached out to Rushcard and was advised that I would I to start the process over because they had system problems when I filed my original dispute. 

I again spoke with Rushcard the following week, and they advised my that they spoke with the merchant and was advised that they did not see the transaction in their system. The rushcard agent advised me that even after they spoke with the merchant and was advised that merchant did not see it in there system they still have to investigate the matter. 

I advised Rushcard that they have no right to withhold my funds after communication with the merchant collaborated my statement. 

Ruchcard is in violation of my consumer rights my not returning my funds after the dispute was collaborated by the merchant.
Consumer complaint received 2015-11-25
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (AL)

I have been repeatedly contacted on my cellular telephone by Williams and Fudge, Inc ( XXXX XXXX ). During the initial telephone call, which was made on XXXX/XXXX/15 XXXX by XXXX XXXX, a Williams and Fudge , Inc employee, I repeatedly asked if this was a collection call and was told that this information would not be revealed. XXXX XXXX informed me that she would not provide me with any information unless I provided both my birth date and social security number. I believe this to be a FDCPA violation, as Williams and Fudge, Inc was specifically asked if they were a debt collector and refused to answer this question. I informed XXXX XXXX that I did not owe any debts and that if this call was a collection call, it was in error. I was told " this is n't going away ''. On XXXX/XXXX/15, I received a letter from Williams and Fudge , Inc alleging that I owed a debt. On XXXX/XXXX/15 XXXX, I received another phone call from Williams and Fudge, Inc. The caller hung up the call as soon as I answered. This call was recorded. I believe that these repeated contacts with me on my cellular telephone were harassing and violate the FDCPA. I do not owe any debts and will not be engaging in any further discussions with Williams and Fudge, Inc.
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I recently noticed an entry on my credit report from " XXXX XXXX XXXX XXXX ''. On XX/XX/2015, I sent a certified letter requesting validation. I have n't received a valid response. On XX/XX/2015, I sent a letter to TransUnion, disputing this entry. TransUnion " Verified ''.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (PA)

I 've never received any letters or phone calls concerning this supposed debt. This is my former place of employment, and at the time of my resignation, funds were withheld from my paycheck to cover this amount. This was submitted to collections in absolute error. What I did owe at the time was already debited against my final paycheck from XXXX XXXX.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (MI)

XXXX XXXX co founder of Rush card has been security has been breached. ... .I have not had access to my bank account for 3 days and my debit card is not deactivate and I ca n't get anyone on their phone. ... on hold for hours ... ..look at rush card XXXX and XXXX to see XXXX of angry customers ... ....
Consumer complaint received 2015-08-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (IL)

I purchased a vehicle from XXXX XXXX XX/XX/XXXX, A XX/XX/XXXX Sonata. Regional Acceptance financed the vehicle for XXXX months at 16 percent interest. I have had the car for 4 years making monthly payments of XXXX. As of today XXXX payments have been made totaling XXXX dollars. Regional Acceptance says I still owe XXXX on the loan, which is not correct and impossible for a loan that is 48 months into the XXXX month term.