davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

I would like to file a complaint about TD Bank. I have had an individual personal checking account with this bank since they took over from XXXX. Their routing number is XXXX and my account number is XXXX. On XX/XX/2017 this account was debited for {$4600.00}. The account also had a hold put on it for the same amount resulting in a net debit of {$9200.00} and subsequently overdraft charge. Since I was unaware what this was I visited the XXXX NJ branch at XXXX on XX/XX/2017 and spoke with their representative XXXX requesting an explanation. He indicated that my son 's student checking account was overdrawn, an account that I had been added on to. I asked him for a copy of the overdraft notice that was sent to me. He was unable to supply it indicating it was sent to the address on record. I asked him if it a notice was sent to me, not my son as I never received anything. He again indicated a notice was sent to the address on record and would not confirm if one was sent to me. I then asked for the copy of notice sent to me indicating they are debiting my account. He replied that they have the right of offset and are not required to send a notice. So, at this point I was not notified of the overdraft on my sons account or debit on my personal account. Finally I asked why my account was debited and put on hold resulting in a double debit. He reviewed the account and indicated it was a bank error and removed the hold and credited back the overdraft charge. The handling of this situation has caused this complaint.
Consumer complaint received 2024-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (UT)

I bought a house in XXXX from United Wholesale Mortgage. In XXXX, there was an escrow shortage, but that shortage has been completely paid off. In fact, for XXXX, there is an escrow surplus. I have asked them several times for a new escrow analysis. They supposedly did a new analysis last month, BUT IT WAS THE EXACT SAME ANALYSIS THAT THEY DID IN XXXX EVEN DOWN TO THE DATE, THE SHORTAGE AMOUNT, EVERYTHING WAS THE SAME. Now, I am almost paying over XXXX extra a month, and I have zero idea where the money is going. FRAUD!!!! Why can they not just do a new escrow analysis? My loan number ends in XXXX. If the UWM tells you that they did a new escrow analysis for XXXX, they are lying. Just because they sent me a new document in XXXX, the XXXX escrow analysis, does not mean it is a new analysis.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

I have a collection agency by the name of Jefferson Capital Systems that i have no knowledge of a debt that they are trying to collect on behalf of XXXX for a balance of {$2100.00}, My phone services are with XXXX for the last 5 yrs and I have never tried to switch or even inquire about services with XXXX. This account was open on XX/XX/2023 and I am requesting that this deleted off my XXXX and XXXX report immediately.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2019 and they have not yet taken it off. I am victim of Identity  theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

The creditor Midland funding LLC original creditor XXXX has entered a judgement against me for a debt that has past the statue of limitations and is time-barred in XXXX. I believe they are conducting unfair business practices. They have violated the Fair debt collection practices act.
Consumer complaint received 2015-12-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo is constantly trying to add additional products and features to my account. I have a checking and credit card with WF ; they asked if I wanted to link the XXXX in the event of an overdraft the credit card would serve as my overdraft protection. They sold it as, do n't ever get denied at POS and do n't worry about paying returned check fees. Money transferred to the checking account to cover a transaction is done as a cash advance and paid at a higher interest rate. The credit card allows for a cash advance feature, which is just borrowing funds at the higher rate, but no charge. When money is advanced from the credit card with the overdraft protection feature, it is done so with a considerable fee. I think the fee is a way of WF layering fees and costs because they can. Obviously this is n't requiring anything more than electronically transferring of funds, which is a option without fees. Again, I can transfer money or take a cash advance at no charge, but due to an overdraft ( where I am obviously short funds ) I am being taxed by the fee and the additional higher interest rate. I think that if WF offers the " Protection '' they should be limited to collecting the higher interest on a cash advance and not be able to charge a fee.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Approximately 6 months ago I noticed that I did not have a credit score generated by Experian. I have current and accurate scores with both XXXX and XXXX. I contacted my creditors and confirmed that they are providing my monthly credit information to Experian, but for some reason my information is not reaching my Experian account. It appears that there is an internal problem at Experian which is preventing my credit information from reaching my account and generating a FICO score. I have contacted both the national consumer assistance center and member services at Experian more than 5 times and they seem unwilling or unable to resolve this issue. This problem is costing me money in higher interest rates and lost opportunities. 
Your assistance is greatly appreciated. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I allowed my son to use my debit card he got robbed and was forced to give up his wallet the card was used to make several purchases and atm withdrawals I filed a police report contacted the bank filed fraudulent charges and requested a new card they declined the fraudulent charges saying the card was present I explained that my son got robbed and they still denied it I requested paperwork to show on what grounds it was declined and what they discovery during the investigation they promised to send me paperwork of investigation but never did send anything and I believe they never investigated anything because o other occasions, they lost paperwork. XXXX handled my claims and treated them like they they dont even exist.and denied them wrongfully
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (SC)

i bought a truck from a car lot in XXXX sc who got it fiainced with a place called western funding out of XXXX nv at first i didnt get a payment paper so i didnt no where to send any money than after that in XXXX 2016 i stop reciveing my payment papers no letters from them nothong so friday XXXX/XXXX/16 they had my truck repoed and told me i had to resumit my paper work to let me no XXXX hours later they told me i could not have my truck back it was going up for auction on XXXX/XXXX/2016 i was dont wrong from day one i have money to get my payments caught up with biut they tell me no i thnik something needs to be done it is not right
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EdFinancial Services (VA)

XX/XX/XXXX and XX/XX/XXXX EdFinancial has XXXX loans listed that are being marked as 120 days past due. XX/XX/XXXX they sold these XXXX accounts to XXXX who are ACCURATELY reporting the loans as current for those months. I possess XXXX students loans and none of them have entered repayment ever as I have been a XXXX since XX/XX/XXXX and had periods of XXXX. I tried to explain this to them and even offered my enrollment history from the NLSDS site which covers the timeframe in question. They have refused to accept this as proof I was enrolled. Meanwhile this just hit my credit report today reported by Transunion as a deliquency. EDFINANCIAL cant report on them because they dont own the loans, but they have never been in repayment. They have been uncooperative and refuse my verification proof.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called transunion and XXXX to inform them about unknown inquiries on both reports I was Ensured by a supervisor from both companies that the inquiries on my both reports would be removed in 72 hours its been two weeks I called to follow up I am now being told they dont know where I got that information from and its nothing they can do about this matter. I need these unknown fraud inquiries removed from report immediately from both reports.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

Apparently starting XX/XX/2021 XXXX XXXX XXXX sold my loan to Mr Cooper without my consent or prior notification. My loan payments are set up on an auto draft. Several days AFTER XX/XX/2021, I received a letter saying the loan had been transferred and I needed to send a payment to Mr Cooper. I had no prior warning or input into this change!!! 

Since this letter was not a standard billing statement, I wasnt about to mail them a check until making sure my account hadnt been auto drafted for the XXXX payment. Within a couple days, I received a billing statement for XXXX showing I needed to pay XXXX and XXXX. I promptly made that payment for both months which was posted on XX/XX/2021. On XX/XX/2021 a letter was written to me saying I was 30 days behind on my loan payment. I greatly resent receiving any such letter!!! 

At no time should a loan servicing company transfer a loan and send notice to the mortgagor AFTER the payment date. Then have the audacity to send a 30 day late payment notice AFTER the payment was made. I did everything I could reasonably be expected to do and feel helpless in these loan servicing companies profiting from my loan without any regard for the mortgagor. Both servicing companies should have an obligation to notify the mortgagor at least 30-60 days BEFORE the loan is transferred not AFTER the payment is due!!! 

I am concerned my credit will be affected by this transfer due to no fault of my own. This process needs to be regulated to protect the consumer.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

I had XXXX service many years ago, I had their service long enough to not be on a contract before we decided to discontinue service due to constant billing issues. When I checked my credit, I saw a company named, Convergent Outsourcing with a total amount of {$1200.00} with the original creditor XXXX. This is not only an incorrect billing issue, but it is TOTALLY erroneous and XXXX KNOWS it! they sold my account and applied false billing towards the account! I was NOT on a contract, nor did I owe a final balance as I was told when I canceled services several years ago. Convergent purchased this erroneous account and put this amount on my credit a while back and it was deleted from my credit. Convergent has put this debt back on my credit when it was already deleted. Please explain to me how this can happen? This needs to be taken off my credit NOW and NEVER allowed to be placed on my credit report again!!!!!!! you can not charge someone ETF when they are n't on a contract, NOR, should you be able to put a debt on someone 's credit report when it was disputed and deleted off someone 's credit in the past. Convergent Outsourcing should be fined and I should attain a monetary settlement at this point.
Consumer complaint received 2016-02-24
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (FL)

In preparation to moving to XXXX, I wanted to move IRA funds from my mutual fund company to an IRA CD at Synchrony Bank. It was only during my third phone inquiy, I was informed that Synchrony would freeze my account and even close the account if I switched my address to XXXX. No where on the company 's website was this disclosed nor was it revealed in my first few calls to the company where I was assured switching residency to XXXX would not be a problem. I learned only that it was not possible to maintain an account from outside the US when I asked how to go about naming my spouse, a XXXX XXXX, as my beneficiary. 

I felt the specialists were confused about the issue in general and, since I have opened up other IRAs at other banks with receiving the OK of having a XXXX mailing address, I felt Synchrony Bank own lack of disclosure of its policy not to maintain account relationships with non-residents potentially damaging to an IRA whose closing could create unpleasant tax consequences. Moreover, the US Patriot Act was disingenuously cited as the reason Synchrony could not continue an account relationship, when it seems it was Synchrony Bank 's own policy to terminate an account relationship in order to avoid the cost and effort to comply with law, rather than the law itself. I do n't mind if Synchrony Bank does not want to maintain an account with a non-resident of the US but the bank should disclose that accounts are in jeopardy if an account holder moves out of the country or at least train all its call center personnel to disclose that. 

I am a US citizen with a US social security number and wanted to move about {$88000.00} to the bank.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Westcreek Financial (WA)

A compant called Koalafi, charged lease fund from my XXXX XXXX XXXXXXXX checking account on XX/XX/2024 amount of {$120.00}. 

I never authorized this transaction and I immediately called my bank and stop making payment to Koalafi. 

Few days later I got email from Koalafi as below ; ( My name is not " XXXX XXXX '' but how she access my personal checking account ) I called XXXX but they can't stop collecting money from my account because they don't know of my information. 

She use my email address and checking account information, enhance my money for pay her lease fee. 


Dear XXXX XXXX, Your {$120.00} payment dated XX/XX/2024 was declined. To view your account, please visit our customer portal at https : //customer.koalafi.com/ To ensure future payments are successful, please verify that your payment methods are correct and have sufficient funds to cover the amount due. If you wish to confirm or change your payment methods, you can reach out to our customer support team at ( XXXX ) XXXX. 

Sincerely, Koalafi XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (PA)

I have a Sam 's club credit from Synchrony Bank. On a trip from NY my card was frozen and could not use the card for any transaction without the Synchrony bank notifying via phone or email. After I called the bank, they claim ther is nothing wrong with my card and should work. Upon numerours attempts at different locations, my card failed, I went to Sam 's club to rectify this anoying issue. Prior to me going to Sam 's club, I called Synchrony bank to update my profile over the phone since i could not do that online upon several trial. My phone was updated, according to the representative i spoke with. Yet after Sam 's club representation got on the phone and spent almost and hour with Synchrony bank, the bank could not verify my account because they claim they do not have any phone number on my account and the only means they can verify my account is to send me a snail mail, but they can not send an email neither even though i have an email address on my account profile. The letter i received from Synchrony bank state that they could not verify my account and they are sorry for the misharp. 

Currently i know my account will be due soon, but do not know the exact date and amount. Yet since i can not access my account via any means, the bank will be charging me for late fees and be placing such derogatory comment on my credit. 

To prevent this from happening, i have attempted on several occasion to contact the bank with no success. 

I want synchornous bank to activate my account, through the normal mean as permitted by law, via my new updated phone number and/or email.
Consumer complaint received 2015-07-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Regional Adjustment Bureau, Incorporated (MI)

I received a letter from Regional Adjustment Bureau XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to XXXX XXXX and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.RAB Inc told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the XXXX I have heard of this issue and it seems shady to me since it was over XXXX years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX