davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (ME)

There is a {$70.00} overcharge that I am disputing. It derives from TD Bank 's having charged me {$35.00} per debit when a debit induces a negative balance. 

I did overdraw the account on XXXX XXXX. I accept XXXX {$35.00} overdraft fee as appropriate. 
Debits are reconciled daily. There were XXXX debits on XXXX XXXX, and they were made in order of highest to lowest. In so doing, they were done so as to have XXXX of the XXXX debits made against a negative balance, so as to induce XXXX overdraft fees. If the biggest one was the last XXXX, then there would have been only XXXX debit against a negative balance therefore only XXXX overdraft fee. 

Therefore, I have been overcharged {$70.00} because XXXX of the XXXX overdraft fees were preventable by TD Bank. 

The likelihood that XXXX transactions would be, if their order was chosen at random, ordered from highest to lowest is XXXX in XXXX. XXXX use the protocol that if an event is less than XXXX likely by chance, then the event can not be considered a chance event. Therefore, I am inferring that the ordering to maximize the overdraft fees is deliberate. If similar complaints have been received against TD bank, then proof of intent will be stronger than can be inferred from this complaint alone.
Consumer complaint received 2015-05-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This issue is a very simple one. My home phone number is on the do not call list. About 1 month ago Portfolio Recovery Service XXXX. Started calling my number. Each time they call they ask for a different name never mine. I have told them XXXX times to stop calling my number. We are up to XXXX calls a day and its driving me crazy. I the last call I told them if they did not stop I would file this complaint. They were bold enough to swear at me and tell me there was nothing you folks could do and you were all a bunch of " XXXX ''. They called my home XXXX times today. I have had it. Please nail these idiots to the wall for me.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (TN)

I made XXXX payments to Synchrony Belk Credit Card in XXXX, not realizing XXXX of them did not post for XXXX payment. I kept receiving phone calls from XXXX. XXXX yesterday ( XXXX/XXXX/2015 and XXXX today. I called the number and it was Synchrony bank for Belk. I explained my situation and hey credited my account. But seriously, 3 times in one day is enough, XXXX is ridiculous. I work in an office environment and while my phone is on vibrate it still disturbs others. If this is Synchrony banks process they need to be informed of the consumers rights.
Consumer complaint received 2024-10-15
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2015-05-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch (NE)

The debt collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the XXXX XXXX XXXX XXXX day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe XXXX XXXX XXXX XXXX ( or any entity acting on behalf of XXXX XXXX XXXX XXXX ) a debt. Consumer disputes owing XXXX XXXX XXXX XXXX a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay XXXX XXXX XXXX XXXX anything. There is no payment history, nor products, or services that have been rendered to XXXX XXXX XXXX XXXX, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if XXXX XXXX XXXX XXXX chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with XXXX XXXX XXXX XXXX. Consumer of this complaint will not engage in contact with XXXX XXXX XXXX XXXX based on violations of the FDCPA, false misleading contact by XXXX XXXX XXXX XXXX. If XXXX makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against XXXX XXXX XXXX XXXX and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The XXXX credit report agencies released and provided to XXXX different companies my credit information without my seeking to have credit extended to me. This happen XXXX XXXX 2014 and XXXX XXXX 2014 by the companies being, XXXX XXXX XXXX, and XXXX XXXX. The impermissible pull is negligence under Federal Law 1681 under FCRA ( sec 604 ( A ) ( 3 ), and Damages under FDCPA. I had gone to both these dealerships as co-signer and on loan already approved by XXXX, for XXXX XXXX my partner, the approval ID XXXX on date XXXX2014. the dealership never indicated they would seek financing other than that we went in with from XXXX XXXX They obtain my social security indicating they would contact XXXX and see if they could " increase '' the amount with me as co signer because they " Dealership '' F & I department manager said XXXX would not qualify receiving social security income because no way to re coop loan if it defaulted because XXXX receives State payment subsidy and social security and creditor would n't be able to garnished. At no time was authorization signed to allow a credit pull or to seek other financing, nor was there any disclosure as required under law as to sharing of consumer information
Consumer complaint received 2015-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (FL)

I do not owe this debt to XXXX XXXX, it was due to a justified cancellation by me. I was receiving insufficient reception for 6 months and had service people out every time, they insisted I would not receive good service due to the amount of trees on my property. I had informed them that I would cancel if they could not fix the problem, I could not continue with XXXX % reception, I always paid my monthly service. They are on the XXXX collection agency trying to collect this invalid debt, I had sent a certified letter to all three agencies explaining the situation, the XXXX XXXX dropped the collection immediately so XXXX gave it to the XXXX agency, Enhanced Recovery, they have my phone number, my e-mail and my postal address but have not contacted me one time, I have called and left messages but no response. They put this on my credit report with no verification, I disputed it and no response. This has been a nightmare, XXXX XXXX and XXXX XXXX had the good sense to remove the collection from my credit files because they realize it was bogus, it appears ERC is arrogant and will not respond to any of my efforts to reach them.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

I have a roofing company that is not being paid because Ocwen Financial insists on using a monitored claims AFTER the roof was completed! I was not informed of that process initially and it is creating many problems. The Ocwen process does not fit the remuneration process required to pay the contractor and they have offered no means to resolve to actually handle the problem. I ca n't finish all the claims work needed during the winter to adhere to their process. The roofing contractor is a small business with a dozen or so employees and needs the funds to pay its workers. Ocwen is telling me they pay at a 30 % of claim, 60 % of claim and 90 % of claim after an inspection. There are XXXX parts to my insurance claim. Aside : Ocwen is loan servicer and not an insurance company. The insurance company has already seen and accepted the new class XXXX roof completion and sent the remaining funds to pay off the contractor. The problem is the insurance claim has XXXX parts : the roof, windows, deck and painting due to hail / wind / water damage. Ocwen 's process treats is all as XXXX claim. The wo n't release enough funds for me to pay the roofing contractor. They will not resolve the problem and are unresponsive to the real problem. Very concerned I will have lien on my property based on Ocwen 's processes which do n't fit this claim situation.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (CA)

I have been going back and forth for a few years with this collection agency who has been unable to validate the cause for said charges being collected on behalf of XXXX. I have disputed the collection with the credit bureaus more than XXXX with them being deleted due to no verification. I have made it very clear that the charges are not a valid amount and based on the current FTC cramming case, there is obvious proof that the collection balance is invalid. I have been validated as a customer involved in excessive cramming charged being added to my bill on multiple XXXX accounts. At this point, I would like COI to figure this XXXX out with their client.
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In 2013, XXXX Bank illegally offset my XXXX bank account when conspiring with their affiliates XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested XXXX Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, XXXX Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against XXXX Bank.
Consumer complaint received 2024-08-09
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a XXXX of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2015-08-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

We have attempted to get a permanent loan modification from Green Tree Servicing for our XXXX mortgage and they have denied us several times, even though we have been on a temporary loan modification for the past several years. They are using an excuse that our loan was originally through XXXX XXXX XXXX XXXX Trust XXXX and XXXX 's the one that denied our loan modification even though all of our payments have been made out to Green Tree and Green Tree is part of the " Making Home Affordable '' program to help people. I tried to contact XXXX but they are out of business. Almost all paperwork since we got the loan has gone through Green Tree. We even went through a government agency to help us with the process and were denied again. We do n't feel this agency knew what they were doing either but that is a whole different story. In XX/XX/XXXX we applied for a modification again and sent over all the paperwork, which is long and involved process. We did not hear back from them until I contacted them in XX/XX/XXXX and they said I have to send over the paperwork again because our pay stubs are outdated now. When I originally sent over all the paperwork everything was current but now they are saying we have to send it again for the 4th time this year! They raised our interest rate to 11.99 % from our previous modification that was at 4 %. Our payment has almost doubled and we can not afford it. We were granted this loan during the time when the banks were over extending people on their houses and we got taken in by this. We have XXXX mortgages on this house and the value of our house is not worth what the XXXX mortgage balance is, let alone what we owe on the XXXX mortgage. Green Tree Servicing people are rude and uncaring. We have made the same payment every month that we have for the last 3 years but since Green Tree raised our interest rate they are now harassing us saying we are late on payments. When I called in to try and work with them regarding them raising our interest rate I told the rep that I can not afford my payment to go up and he yelled at me and said I can afford it, I just choose not to pay it! I have never been spoken to like that by any other company I have dealt with. I feel like they have our loan information incorrect. We have gotten correspondence that contradicts what they tell us on previous correspondence. They send me letters with my account rep 's first name and extension listed but when you call they to speak to them directly you can not dial an extension and the rude people that answer the phone wo n't put you through to your account rep. One time I called and they told me my rep moved departments but then I found out from another person that the rep does n't work for them anymore. Then a month later I received a collection letter with that same rep 's name and extension. Obviously Green Tree is not correct with our information and our loan.
Consumer complaint received 2015-08-07
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Rausch Sturm LLP (MN)

My house went foreclosure in 2009, had XXXX mortgages, XXXX mortgage said they served me letter to court which l never got, but later went to the count, it indicated that they had served my daughter who was XXXXyears then who were being watched by my mom who did not know english and it also showed that the house was sold already, and according to what l asked them when l was getting the loan they had said if am not able to pay they were to take the house and not garnish my wages.IT seems they passed it over to the creditors who are garnishing me, and yet when l talked to XXXX they said the loan was written off because they got bail out besides house was sold, and even the credit bureau states that it was deleted by the court and it is written off. so now is there any way l can get help, or should go ahead and file for bankruptcy, please help with better option, am single mom with XXXX kids struggling to make ends meet, and working really hard but this is killing me l need better solution than bankruptcy, because that means l can never get the cheap house for the kids in the next XXXX years, struggle is really and this is really for me please give me quick solution before plan for bankruptcy, Thanks, God bless America, please help.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I was XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received XXXX services. I went back to XXXX from my XXXX XXXX XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in XX/XX/XXXX, I ran my credit report and saw an XXXX bill and paid the {$70.00} on XXXX XXXX XXXX ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations , XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with TransUnion under XXXX, XXXX. XXXX stated they called XXXX to have them remove immediately, yet XXXX has now removed this item, and Trans Union is now showing as a collection and a balance due of {$70.00} with XXXX and not XXXX. Trans Union is not using due diligence and is ignoring both me and XXXX. 
I am attaching my XXXX Health report that states the following:1 ) Visit to Doctor XXXX : which XXXX has on their data records and which has been paid to XXXX of XXXX on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ) 2 ) Visit to XXXX XXXX : which XXXX has on their data records shown as Doctor XXXX XXXX which has been paid on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ). 
XXXX I am also attaching a billing statement from Doctor 's XXXX dated XX/XX/XXXX that also shows a {$0.00} balance!!!! 



There are no other visits to any XXXX since I was only home for XXXX weeks at a time and have been XXXX since XX/XX/XXXX. The XXXX Health report goes back to XX/XX/XXXX. 

Product_Or_Service : XXXX
Consumer complaint received 2015-10-30
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (WI)

On XX/XX/XXXX, my recently deceased father was gifted an individual IRA Retirement Certificate of {$2000.00} from XXXX Wisconsin. This bank was purchased XX/XX/XXXX by TCF Bank. For the last two weeks, I have been speaking with TCF Bank whom can not locate the account ; even though I have provided all the requested account numbers, social security information, and even pictures of the IRA Certificate ( attached ). TCF can not locate the account/nor can not tell me what happen to the funds. They have also not offered to honor the Certificate with interest. Myself and XXXX siblings are the beneficiaries of this IRA, which we can produce. TCF Bank has failed to provide any information about what happened with this account, as it was not cashed. They can not just keep our money, which was saved in an IRA for over 30 years, so to accumulate interest. I have contacted the FDIC and also the Unclaimed Property Division ; whom confirm that TCF did take over XX/XX/XXXX ; and unclaimed property indicates they do not have these funds - and usually do not get IRA 's. I have also reached all to the Controller of the Currency on this matter. TCF is acting in bad faith for no honoring the IRA that can be produced by my family, giving the excuse they lost or can not locate the account. The failure of them to locate the certificate/account is not my family 's fault. This has caused undue duress on our family, whom has already lost a father and utilized too much of our time trying to claim funds that TCF Bank continues to provide us.